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Pennsylvania Motor Vehicle Fraud Plan
Title 75 Sections 1811-1816 (Motor Vehicle Insurance Fraud)Section 1811 - Each insurer licensed to write motor vehicle insurance in Pennsylvania shall institute and maintain a motor vehicle insurance antifraud plan.... All insurers licensed ... shall file within six months of licensure. All changes to the antifraud plan shall be filed with the department within 30 days after it has been modified.
Section 1812 - The antifraud plans of each insurer shall establish specific procedures:
-To prevent insurance fraud, including internal fraud involving employees or company representatives, fraud resulting from misrepresentation on applications for insurance coverage, and claims fraud.
-To review claims in order to detect evidence of possible insurance fraud and to investigate claims where fraud is suspected.
-To report fraud to appropriate law enforcement agencies and to cooperate with such agencies in their prosecution of fraud cases.
-To undertake civil actions against persons who have engaged in fraudulent activities.
-To report fraud-related data to a comprehensive database system.
-To ensure that costs incurred as a result of insurance fraud are not included in any rate base affecting the premiums of motor vehicle insurance consumers.