Suspect Insurance Fraud? Report it.

The Office of the Montana State Auditor, Montana Commissioner of Securities and Insurance is a criminal justice agency that investigates and prosecutes insurance and securities fraud. Protecting consumers and rooting out fraud is our top priority.

Montana law requires agents, brokers, or anyone with reason to believe fraud has occurred to report the suspected fraud to our office.

If you prefer to report suspected fraud over the phone, or if you have questions about our online forms, call the Commissioner’s office at (406) 444-2040.

Common Types of Insurance Fraud

Fake Insurance Companies: Fake insurance companies defraud consumers by selling bogus policies with no intention of paying claims. Often, fake insurance companies draw in consumers with products that cost significantly less than those offered by competitors.

Agent and Broker Fraud: Agents and brokers who aren’t properly licensed with the state may deceive customers for personal gain. If you do not receive an insurance ID card or a copy of your policy in a timely manner, this could be a sign your agent or broker is scamming you.

Consumer Insurance Fraud: The National Insurance Crime Bureau estimates that ten percent of all insurance claims filed are fraudulent, adding $200 to $300 a year in higher insurance premiums for the average household. Reporting suspected insurance fraud can help keep everyone’s premiums from rising.

Online Forms

Report Consumer Fraud
If you believe your insurance agent or company is committing fraud, you can file a complaint with the Commissioner.
Download Consumer Fraud Report

Insurance Professionals Fraud Form
Insurance Professionals (insurers, producers, adjusters, and consultants) should report fraud through the National Association of Insurance Commissioners (NAIC) Online Fraud Reporting System (OFRS) located at:

Need more help?
  Call the Commissioner’s hotline at 800-332-6148