Claims Frequent Questions

Insurance Fraud

Fighting Fraud

Reporting Fraud

Fighting Fraud

What is Amica's Special Investigative Unit (SIU)?

Amica's Special Investigations Unit (SIU) is an investigative and informational resource that examines claims for fraud, sponsors training sessions for law enforcement agencies and conducts educational presentations for community organizations.

What is insurance fraud?

Insurance fraud is any act committed with the intent to obtain a fraudulent outcome from an insurance process. The most common methods include:

  • Staged car accidents
  • Fraudulent car thefts
  • Inflated losses
  • Fraudulent injury claims
  • Application fraud 
People who commit insurance fraud could be individuals or organized groups. 

Who commits insurance fraud?

People who commit insurance fraud come from all walks of life regardless of their individual economic status. Perpetrators of insurance fraud range from organized groups that often target innocent policyholders simply because they "look like" they have insurance to unscrupulous medical and legal providers to the "one-timer" who inflates a legitimate loss.

How serious is the problem?

The total cost of insurance fraud is estimated to be more than $40 billion per year, according to the Federal Bureau of Investigation and National Insurance Crime Bureau. That means insurance fraud costs the average U.S. family between $400 and $700 per year in the form of increased premiums.

What is Amica doing to help prevent insurance fraud?

Amica is one of 1,000 insurance companies that supports the National Insurance Crime Bureau (NICB), an organization that helps identify, detect and prosecute those who commit insurance fraud. Our continued vigilance and cooperative efforts with agencies and state insurance departments help reduce the payment of fraudulent claims.

Reporting Fraud

What are some examples of insurance fraud?

Some examples include staged car accidents, solicitation of provider service, parking lot schemes, “jump-in” passenger accident or providing an incorrect address to avoid premiums.

How can I help stop insurance fraud and avoid becoming a victim?

Taking a few simple precautions can make a world of difference for you and your insurer. When an accident occurs:

  • Call the police. They're trained to investigate accidents and file the necessary reports.
  • Document the accident scene. Whenever possible and if it’s safe, take photos of the damage and position of the cars after the accident. Make quick notes to yourself about the time, date and location of the accident and anyone who was involved. Report accidents to Amica as soon as possible. 
  • Report schemes. If someone asks you to be involved in an insurance fraud scheme, notify the Amica Special Investigations Unit or your file handler.

How do I contact Amica's SIU or report fraud online?

If you have information that may be helpful to Amica in identifying insurance fraud, please call our toll-free Fraud Hotline at 877-407-3344 (available 24 hours a day) or complete our Online Fraud Report Form.

All calls to the Amica Fraud Hotline or the use of the Electronic Reporting Form are completely anonymous and confidential.