Insurance Fraud Lawyers in Arizona

What is Insurance Fraud?

Insurance fraud involves any intentional act of deception aimed at receiving unauthorized benefits from an insurance policy. This can happen at various stages of the insurance process, from application to claims and renewals. A violation of Arizona’s insurance fraud laws is typically charged as a Class 6 felony, but the penalties can escalate depending on the amount involved and whether the fraud was part of a broader scheme.

Common Insurance Fraud examples include:

• Lying on an insurance application to receive lower premiums
• Submitting a false or inflated insurance claim
• Staging a car accident
• Faking injuries to collect benefits
• Claiming property was lost or stolen when it wasn’t
• Using a false identity to obtain coverage or payouts
  

Types of Insurance Fraud in Phoenix, AZ

Insurance frauds come in many forms, including:

• Car Insurance Fraud – Includes staged collisions, false repair claims, or exaggerating damage
• Health Insurance Fraud – Falsifying treatment records or billing for services not rendered
• Homeowners Insurance Fraud – Claiming for fake thefts or damages that didn’t occur
• Disability or Life Insurance Fraud – Lying about a disability, health condition, or death
• Application Fraud – Making false statements when applying for or renewing a policy

Understanding the types of insurance fraud can help you see what prosecutors are likely to focus on. If you’ve been contacted by an investigator or insurance company, do not speak with them without legal representation.

Common Examples of Insurance Fraud

Some of the most common insurance frauds examples we see in Phoenix include:

• Reporting a vehicle stolen when it was actually abandoned or sold
• Exaggerating the cost of repairs after a minor accident
• Faking an injury after a car crash
• Filing claims for damaged items that were never owned
• Using someone else’s identity to get a better insurance rate
• Lying about a pre-existing condition on a health insurance form

Wondering what is car insurance fraud or looking for car insurance frauds examples? These types of cases often come down to intent and can quickly escalate from a civil dispute to a criminal case.

Charges for Insurance Fraud & Penalties

In Arizona, insurance fraud is a crime that’s usually charged as a Class 6 felony under A.R.S. § 20-463. The penalties can include:

• Jail or prison time (up to 2 years for a first-time Class 6 felony)
• Fines and restitution
• Probation
• A permanent criminal record
• Revocation of professional licenses

In cases involving larger financial losses or repeat offenses, charges may be enhanced, and you could face felony insurance fraud prosecution under additional statutes, including fraudulent schemes, theft, or conspiracy.

If you’re concerned about insurance fraud jail time or need guidance about your options, contact a Phoenix insurance fraud lawyer immediately.

Defense Strategies for Insurance Fraud Charges

At Feldman & Royle, we offer aggressive and customized insurance fraud defense services. Every case is different—but common defense strategies include:

• Challenging the intent to defraud
• Demonstrating inaccurate or incomplete investigations
• Disputing the value or validity of the claim
• Showing lack of knowledge or honest mistake
• Suppressing illegally obtained evidence
  

Whether you are under investigation or have already been charged, our Phoenix insurance fraud attorneys can help protect your rights, negotiate with prosecutors, and fight for a reduction or dismissal of charges.

Phoenix Insurance Fraud Defense Attorney

Even an accusation of insurance fraud can have long-lasting consequences, both legally and professionally. If you’re a healthcare provider, business owner, or policyholder, your livelihood could be on the line.

Working with a skilled insurance fraud defense lawyer in Phoenix gives you the advantage of experienced counsel who understands both state and federal insurance laws. At Feldman & Royle, we take swift action to analyze the case, protect your interests, and begin building your defense from day one.

If you’re searching for Phoenix, AZ insurance fraud lawyers near you, contact us today for a confidential consultation.