Two Sources of Insurance Crimes:
  1. Crimes committed by a regulated entity against a consumer, i.e. fraud, embezzlement, exploitation, etc.
  2. Crimes committed by a consumer against an insurance company, i.e. fraudulent insurance claims, insurance fraud
The Anti-Fraud Unit’s Primary Mission is:

The investigation of regulated entities accused of violating administrative and/or criminal law.

Confidentiality (Title 36):
§ 361. Creation of Anti-Fraud Unit
D. Records, documents, reports and evidence obtained or created by the Anti-Fraud Unit as a result of an inquiry or investigation of any suspected insurance related crime shall be confidential and shall not be subject to the Oklahoma Open Records Act or to outside review or release by any individual. Information and records shall be disclosed upon request to officers and agents of federal, state, county, or municipal law enforcement agencies, to the Oklahoma State Bureau of Investigation, to the Attorney General’s office and to district attorneys, in the furtherance of criminal investigations.

Oklahoma Criminal Statute for “Insurance Fraud” (Title 21):
§ 1662. Fraudulent Claim Upon Insurance Contract for Payment of Loss
Any person who presents or causes to be presented any false or fraudulent claim, or any proof in support of any such claim, upon any contract of insurance, for the payment of any loss, or who prepares, makes or subscribes any account, certificate, survey affidavit, proof of loss, or other book, paper or writing, with intent to present or use the same, or to allow it to be presented or used in support of any such claim, shall be guilty of a felony punishable by imprisonment in the State Penitentiary not exceeding three (3) years, or by a fine not exceeding twice the amount of the aggregated loss sum, or both.

PROTECT YOURSELF! Stop. Call. Confirm.

Stop: Before signing ANY paperwork or making ANY payment.
Call: The Oklahoma Insurance Department at 1 (800) 522-0071.
Confirm: Licensure and good-standing of your agent or company.

  • Always verify licensure of your agent and company.
  • Never sign blank insurance documents, forms, etc.
  • Be wary of “cold call” sales that you did not initiate.
  • Be suspicious of rushed or “too good to be true” offers.
  • DO NOT PAY CASH. If you must, demand and save receipts.
  • Make checks payable to the insurance company, not the agent.
  • Read and understand your policy. It is a binding legal contract.
  • Confirm with your carrier, not the agent, the purchased policy is in force.
  • Maintain accurate files of all insurance documentation and conversation.
  • Maintain detailed bank records of insurance-related financial transactions.
  • If you have a claim, keep accurate records and photos of damage, involved vehicles, etc.
  • If anything suspicious occurs, contact the Oklahoma Insurance Department immediately.
Helpful Insurance Fraud Links:
  1. National Insurance Crime Bureau
  2. Coalition Against Insurance Fraud

The Anti-Fraud Unit maintains offices in OKC and Tulsa, but serves all 77 counties of Oklahoma with regionally assigned investigators. To report fraud, click the red button below or contact us in person, by mail, phone, or email at