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HEAT® Safety Tips

Valuable Information Your Should Know:
Tackling Insurance Fraud

Automobile insurance fraud occurs when people deceive an insurance company in order to collect money to which they are not entitled. Consumers are paying the price in higher insurance premiums as a result. It is estimated that 10 to 15% of your automobile insurance premium can be attributed to insurance fraud. Insurance fraud is a felony and increases insurance rates for everyone.


  • Giving a false address on an automobile application to qualify for lower insurance rates;
  • Not telling the insurance agent about a teen driver or another household member who has tickets;
  • Giving false information about the use of a car or how many miles it’s driven to work or school;
  • Inflating the cost of a claim to cover a deductible;
  • Falsely reporting items stolen from a car, such as tires or fancy rims, or inflating the value of the stolen items (i.e. six CDs become sixty);
  • Claiming nonexistent injuries so that a medical clinic can submit false bills to an insurer and kick back some of the payments to the "victim";
  • Allowing a body shop to remove good parts from a damaged vehicle and claim that they are damaged or stolen when the insurance adjuster visits. They pocket the money for the parts, share some with the owner and repair the car with the originals;
  • Arranging for a car with high mileage or mechanical problems to be "stolen" so the owner can be rid of it; or
  • Reporting a vehicle stolen after it has been involved in an accident.

CALL 1-800-242-HEAT

By protecting your vehicle and being alert, you can be part of the solution,
and you can save money on your insurance premiums.

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"I saw you featured on Fox 2 Detroit recently and decided to report some suspicious activities in the park across from my house and the culprits were caught red-handed stealing my neighbor's car the very next week. Thanks for helping to make Michigan a safer place to live! I will be telling all of my friends!"

- Anonymous Tipster

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