Insurance Fraud Quiz

What is Fraud?
According to Missouri Statute §375.991 RSMo., a person commits a "fraudulent insurance act" if he or she knowingly makes a statement or written document for a claim or insurance application which that person knows to contain material false information or conceals information concerning a material fact.
What is a policy dispute?
A policy dispute can be many things. You may have a policy dispute if it is questionable that you had coverage at the time of an accident. A policy dispute could be a disagreement about how an insurance company handles your claim (Mo. Reg. 20 CSR 100). Or, a policy dispute could be if your claim is denied because of a misrepresentation that is not material to the loss covered on the policy (§376.580 RSMo).
This quiz is developed for example purposes only. The questions and answers in this quiz are not to be construed as an opinion or position taken by the Missouri Department of Insurance. If you believe that you have a claim that should be paid, you may wish to ask the Consumer Affairs Section of the Missouri Department of Insurance for assistance by calling 1-800-726-7390 or check us out on line.

Question 1:

Brenda Jones was injured when she slipped on the ice in front of her neighbor's house. She was treated for back pain by Dr. Douglas Jones. Dr. Jones says that he and Brenda are not related. Information gathered during the claim process indicates that both people have used the same address sometime in the past 5 years. Also, a previous claim by Brenda indicates that she had a similar injury and was treated by the same Dr. Douglas Jones.

Answer 1:

Question 2:

On October 31, Julia reported to her insurance company that she had an accident earlier that morning. The police report and the tow truck bill indicate that the date of loss (accident) happened on October 27. The effective date of her auto insurance policy was on October 29.

Answer 2:

Question 3:

Stacie applied for auto insurance coverage to Country Auto Insurance Company. When the agent asked for information about all drivers in the home, Stacie failed to disclose information about her son. According to the underwriting standards of Country Auto Insurance Company, her son's membership in Stacie's household caused the household ineligible for coverage due to the revoked status of his driver's license. Stacie also did not tell the company that she had an accident two months ago and that her husband had a speeding ticket a year back.

Answer 3:

Question 4:

Anna rented an apartment and had renters insurance for the things she owns in the apartment. Anna had a fire in the apartment and lost everything. The landlord told Anna that she would have to pay for every thing because the fire was her fault. On her claim form were items such as clothes, doors, hats, bathroom mirrors, furniture, and carpet. Anna was not paid for the doors, bathroom mirrors, and carpet.

Answer 4:

Question 5:

Angela needs to make a few bucks quickly. She works at a one-hour photo shop after school. She has made a few fake ID�s in the past so that her friends can get into the R rated movies. She�s become very good at it too. Since she thinks no one gets hurt by sneaking into R rated movies, what damage has been done? � Right? But, Angela needs to make extra money fast for next weekend�s shopping trip to St. Louis. Why not try her hand at Insurance ID cards? Those little paper proof of insurance cards are easy to fake and Angela can whip out a dozen in no time with her scanner, Picture Shop editing program, and a color printer with good paper!

Answer 5: