Report Insurance Fraud in New Mexico

What is Insurance Fraud?

The willful abuse of an insurance policy for financial gain. Fraud is an intentional act and is illegal.

The OSI Insurance Fraud & law Enforcement Division is a unique department that combines the criminal investigative powers of a law enforcement organization with the protective role of a regulatory agency. As a fully accredited law enforcement agency of the state of New Mexico, OSI agents have full authority to investigate, arrest, and prosecute criminals who commit insurance fraud. While that might sound like an unusual combination, it is precisely this dual capability that makes OSI effective in its core mission: ensuring New Mexicans have access to reliable insurance products while safeguarding them from fraud and unfair practices.

We want to get your information to the right team so we can help you as quickly as possible. Please review our guidance for when it’s best to file a complaint and when it’s best to report insurance fraud.

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When to file a complaint

If you think an insurer or agent has violated the law or treated you or your claim unfairly, you should file a complaint. Common reasons to file a complaint against your insurer include: 

• Unfair claim denial 
• Unreasonable claim delays 
• Unsatisfactory claim settlement 
• Agent/Adjuster mishandling
• Rates
• Cancellations/Non-renewals
• Coverages

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When to report insurance fraud

If you believe a person in New Mexico is trying to cheat or commit fraud against an insurer or agent, you should report insurance fraud to our office. Common reasons to file an insurance fraud report include: 

• Falsely reporting a stolen vehicle or property  
• Filing claims with multiple companies, sometimes known as double-dipping 
• Medical insurance fraud including billing for services not rendered