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Insurance Fraud

Lacey NJ Insurance Fraud Lawyer

Insurance fraud is a major category of forgery and related offense set forth in the New Jersey Criminal Code. The charge can arise whenever some form of misrepresentation or deception is utilized to secure insurance coverage or payment of a claim. Insurance fraud is always an indictable crime of either the third degree or second degree that can only be handled at the Ocean County Superior Court. Our team of criminal lawyers are skilled in defending felony criminal charges at the courthouse in Toms River like an insurance fraud. An attorney at Marshall & Bonus knows the ins and outs of this area of law and is equipped to protect you against allegations that you committed this offense in Toms River, Jackson, Brick, Lacey, Berkeley or another area municipality. A free initial consultation is available 24/7 by contacting our Toms River Office. A lawyer is ready at (732) 286-6500 to provide the assistance you need.

Charged with Insurance Fraud in Ocean County

The Office of the Attorney General, including the Office of the Insurance Fraud Prosecutor, and Economic Crimes Unit of the Ocean County Prosecutor's Office are both aggressive in prosecuting those who commit insurance fraud. Whether these charges are the result of a harmless mistake in calculation or an intentional act to deceive an insurer (e.g. you over valued an otherwise legitimate loss), insurance fraud charges carry severe penalties. The frequency of disagreements with insurance companies and claims representatives, some valid and others that mushroom into criminal charges, seem to be on the rise as insurers get more and more aggressive. In order to obtain a conviction for insurance fraud under N.J.S.A. 2C:21-4.6, the state will have to prove that you:

  1. Made a claim for payment, reimbursement or other benefit pursuant to an insurance policy or from an insurance company or the Unsatisfied Claim and Judgment Fund of New Jersey; filed an application to renew or obtain an insurance policy; obtained a payment in accordance with the terms of an insurance policy or premium finance transaction; or issued an affidavit, certification, record, or other document was used in any insurance or premium finance transaction;

  2. Made, or caused to be made, a false, fictitious, fraudulent, or misleading statement of material fact in, or omitted a material fact from, or caused a material fact to be omitted from, any record, bill, claim or any other document in writing, electronic or any other form; and

  3. Acted knowingly.

In determining whether these elements have been satisfied, 2C:21-4.6 establishes an inference that the accused read and reviewed the application, bill or other insurance or coverage document if they signed or initiated an application.

Degree of Crime & Penalties for Insurance Fraud

Nature of Conduct

Grade of Crime

Max Fine


Five or More Acts of Insurance Fraud or An Aggregate Value of Property, Services or Money Of At Least $1,000.

Second Degree


5-10 Years

All Other Acts Of Insurance Fraud.

Third Degree


Up to 5 Years

Jackson Township NJ Insurance Fraud Attorney

Jackson is the fourth most populated municipality in Ocean County so it would only make sense that it has its share of insurance fraud offenses. If you were arrested in this township, Stafford, Point Pleasant, Lakewood, Manchester, Lakehurst or another area community, you need to secure representation of a skilled attorney immediately in order to insurance you have maximum protection against a conviction. The team of lawyers at Marshall & Bonus have just what you require in order to accomplish this objective with over 100 years of experience. Call (732) 286-6500 to speak to lawyer in a free initial consultation.

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