How to Dispute a False Insurance Claim. 2025 Guide

False insurance claims can be a serious problem for people and businesses alike, resulting in financial loss, legal repercussions, and damage to your reputation. Whether your claim was issued by a policyholder, third-party claimant, or an insurance professional, you should take immediate action to protect yourself. Learn how to dispute a false insurance claim now.

How to Dispute a False Insurance Claim (2025 Update)

If you’re facing a false insurance claim, don’t panic, but act quickly! Here’s what you should do:

  1. Contact your insurance company immediately. Let them know about the false claim and provide any evidence you have to prove it’s wrong. This could include witness statements, photos, police reports, or anything else relevant.
  2. Gather all the details. Explain exactly what happened (or didn’t happen!), including the date, time, and location.
  3. File a formal dispute. Your insurance company will likely have a process for this. Follow their instructions and submit a written statement explaining why the claim is false.
  4. Cooperate with the investigation. Provide any information your insurance company needs.

If things get complicated or you suspect fraud, it’s a good idea to talk to a lawyer.

Review the details of any insurance claim and contact your insurance company if you find any discrepancies or inconsistencies. Be sure to provide them with as much information as possible about the incident. Your insurance company will investigate in detail and determine whether the claim is legitimate or not.

In addition to working with your insurance company, it is always a good idea to consult with legal counsel to help defend against false accusations. Your legal team will conduct an independent investigation of the facts surrounding the claim and work to identify any evidence or witnesses to support your case. They can also help you navigate the complexities of insurance law and negotiate with insurance companies to protect your rights and interests throughout the claims process.

If a false claim results from criminal activity, you should report the incident to the authorities, including the Nevada Insurance Fraud Unit (IFU). Police will investigate the matter and determine if criminal charges should be filed against the person making the claim.

In the case of identity theft, you should visit the Federal Trade Commission’s Identity Theft website, which provides proactive steps to protect you against fraud. You can also contact the National Association of Insurance Commissioners (NAIC) for guidance on handling false claims.

Personal Attention. Trusted Results.

What Constitutes a False Insurance Claim?

There are several types of false insurance claims, ranging from relatively minor to more serious claims. Here are some reasons a false claim may be filed against you and your family.

Identity Theft

Using stolen personal information is a common way for criminals to file false claims on your behalf. This can occur due to someone stealing your insurance policy number or other identifying information, such as your social security number.

Mistaken Identity

Insurance companies may mistakenly identify you as the person responsible for accidents, injuries, or damage in which you had no knowledge or involvement. These mistakes can happen if an insurance company attributes a claim to the wrong policyholder or mixes up the details of two similar claims.

Fraudulent Claims

People may file false claims against you, alleging that you caused them harm or damage. This can happen as a result of real events even if you weren’t present at the incident scene.

Staged Accidents

In more serious cases, someone may stage accidents and injuries to file a false claim. Some criminals will even intentionally cause auto accidents, making it look like innocent drivers were at fault.

Regardless of how a false claim is made, it’s important to take any accusation seriously and seek the appropriate resources to defend yourself against false accusations.

Signs of False Insurance Claims

Dealing with insurance can be stressful. However, there are ways to tell that there is a bigger problem at hand. As a result, you should prepare to protect yourself by recognizing these common indicators of insurance fraud.

Unfamiliar Claims

You may notice claims you don’t recognize on your insurance policy or statement. These claims may be for incidents in which you were not involved or damage you did not cause. To identify unfamiliar claims, you should review your insurance statements and policies regularly to ensure that any claims are legitimate.

Irregularities in Claim Details

You may notice discrepancies or irregularities in the details of the claims filed against you. These irregularities may include incorrect dates, times, or incident locations. They may also include inaccurate descriptions of the damage or injuries that were supposedly caused. To identify irregularities, you should carefully review all the information provided in the claims you are involved in.

Injured in an Accident in Las Vegas?

Inconsistent Witness Statements

If there were witnesses to the alleged incident, their statements may be inconsistent or contradictory, which could indicate that the incident was staged or intentionally false claims have been made. While reviewing witness statements, look for any noticeable contradictions, such as different versions of events or conflicting descriptions of the incident.

Suspicious Behavior from the Claimant

The person filing a claim against you may behave suspiciously, such as refusing to provide contact information or avoiding answering phone calls or emails from you or your insurance company. They may also be uncooperative or aggressive when asked for more information about the incident or provide different versions of events at different times.

Contact us for legal support today

As your case progresses, your legal team will develop a comprehensive legal strategy to protect your financial security, reputation, and well-being. One option may be to file a counterclaim against the individual who filed the claim, seeking damages for any harm or financial losses suffered as a result. Another option may be to pursue legal action against the insurance company if it acted in bad faith or engaged in fraudulent practices during the claims process.

In some cases, you may also have the option to file a criminal complaint with law enforcement authorities, particularly if the false claim involved intentional fraud or other criminal activity. This may result in criminal charges being brought against the person who filed the false claim, potentially leading to fines, penalties, and even imprisonment.

Whether you’re a victim of malicious fraud or a case of mistaken identity, there are resources available to protect yourself against false insurance claims. Knowing the different types of false claims, recognizing their warning signs, and acting quickly to gather evidence are all important steps to take toward your defense. Remember to work closely with your insurance company, gather available evidence, and consider legal options for your defense.

Read also: How To Negotiate A Personal Injury Settlement

Benjamin P. Cloward

In 2016, at the age of 37, Benjamin P. Cloward became the youngest lawyer in the history of the State of Nevada to be awarded the prestigious “Trial Lawyer of the Year” by the Nevada Justice Association. That same year, he became the youngest member of the Nevada, Las Vegas Chapter of ABOTA (American Board of Trial Advocates), and at the time was also the youngest person in the State of Nevada to be Board Certified as a Personal Injury Specialist.

Practice areas: personal injury, car accidents, truck accidents, wrongful death, Greyhound bus accidents, and walk-in tub accidents.
Location: Las Vegas, NV

Request Free Consultation

Start your Free Case Evaluation by using the form below. You’ll get a fast response from one of our team members or call our office 1-888-888-8888.

Related Blog Posts

Explore Articles Related to Your Situation

What Is a Catastrophic Injury? Insights for Victims in Las Vegas

Catastrophic injuries are serious and life-altering injuries that cause long-term or permanent disabilities. What Is a Catastrophic Injury? This is a term used to describe injuries that have a substantial ef... read more

Proximate Cause Examples: Key Insights for Cases in Las Vegas

Understanding proximate cause example scenarios is crucial in personal injury law. This concept determines whether an injury was a foreseeable result of someone’s actions and plays a pivotal role in establishing... read more

Free Parking Places on Las Vegas Strip 2024

Finding free parking on the Las Vegas Strip can feel like a challenge, especially as many resorts and casinos have introduced parking fees in recent years. But don't worry—there are still several ways to park wi... read more

Request Free Consultation

Start your Free Case Evaluation by using the form below. You’ll get a fast response from one of our team members or call our office 702-605-5000.

Cloward Trial Lawyers
9950 W Cheyenne Ave Las Vegas, NV 89129

get direction