This report was an attempt to determine the cost of insurance fraud. To compare the systems in place in New York State and Pennsylvania to combat insurance fraud and then to determine which state had the better of the two systems. In 2015, NYS received 22,762 referrals and Pennsylvania received 3,266. These referrals resulted in 330 arrests for the NYS IFB and 410 arrests in Pennsylvania. The NYS IFB employed 32 investigators and the Pennsylvania Attorney General’s Office had 58 investigators. NYS IFB’s statistics are questionable as they list insurance fraud and related arrests. NYS IFB reports also conflict with the NYS DCJS Felony Insurance Fraud report. Pennsylvania’s laws are the better of the two as they include application fraud and underwriting fraud, as well as outlaw the payments to medical providers and lawyers for obtaining of names and clients of accidents. Pennsylvania should enact the $10 per auto policy fee, and NYS should start to use the full amount to fund insurance fraud-related investigations. Pennsylvania has the better of the two systems. New York should designate the NYSP as the IFB Investigators for NYS. By utilizing the full $114,950,508 in surcharges from the Motor Vehicle Theft Fees and increasing the surcharges on all of the insurance carriers in New York State, they could increase the number of Investigators in each NYS Troop Zone significantly enough to make a real difference in the fraud epidemic in NYS.
Keywords: Economic Crime Management, Dr. Kyung-Seok Choo, Insurance Fraud, Prosecutions, Arrests, Convictions.
|Advisor:||Choo, Kyung Seok|
|Department:||Economic Crime Management|
|School Location:||United States -- New York|
|Source:||MAI 56/03M(E), Masters Abstracts International|
|Keywords:||Garaging fraud, Insurance fraud, Premium fraud, Provider fraud, Staged accidents, Workers' compensation fraud|
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