Leading one charge are insurance investigators and law enforcement groups, who use sophisticated technologies and other approaches to identify, apprehend and punish those who commit the crime. The second initiative is an ongoing public awareness campaign, deployed to educate citizens about insurance fraud so they avoid committing the crime in the first place.

The Pennsylvania Insurance Fraud Prevention Authority (IFPA) provides substantial support for both enforcement and prevention efforts. The IFPA funds investigative units throughout the state who keep a vigilant watch out for criminals who attempt to defraud others. The Authority has also taken the lead in this issue through the development of a statewide education and prevention campaign.

Public awareness is critical to Pennsylvania’s fraud-fighting effort. The premise is that if people know what insurance fraud is, the severity of the crime, and its potential risks and consequences, they will be less likely to commit it. However, research conducted for this campaign found that most Pennsylvania insurance consumers do not know exactly what insurance fraud is – so that’s where this campaign begins.1

Each campaign component illustrates a different type of fraud through the use of a real-life situation. In TV spots and radio commercials, scenarios depict a “point of decision” where the unwary or unwise consumer could make a bad choice.

While research found that most people do not - and would not - commit insurance fraud,2 these messages reach out to those with the capacity to engage in criminal activity with cautions about the potential penalties and consequences of such actions. The objective of the campaign is to reduce instances of “opportunistic” fraud – situations where people are presented with opportunities to make a good or bad decision.

Check out the messages created for the campaign.