Serving and safeguarding the public and businesses operating in
State of Florida against acts of insurance fraud.
The Department of Financial Services is headed by the Chief Financial Officer. The Division of Insurance Fraud (DIF) is the law enforcement arm under the Department and is responsible for investigating all various types of insurance fraud. The Division of Insurance Fraud has six regions located throughout the state of Florida, each commanded by a law enforcement captain; and 24 squads, each supervised by a lieutenant. Additionally, the Division consists of 151 sworn officers and 43 civilian support staff members.
Insurance Fraud is not a victimless crime. It is estimated that insurance fraud costs the United States $80 billion dollars or more a year, which are ultimately passed down to consumers. The Coalition Against Insurance Fraud (CAIF) estimates this fraud to cost approximately $950 per family. Since taking office, CFO Atwater has made it a top priority to fight this insidious fraud. He believes it to be one of the biggest cost drivers for escalating auto insurance rates that are increasingly burdening Florida's consumers and families. Proudly, the Division of Insurance Fraud has served as a national leader in the fight against insurance fraud, continuously ranking in the top five among all states’ fraud bureaus and divisions.
Last year, DIF responded to many thousands of suspected fraud referrals, over half of which were Personal Injury Protection (PIP) Fraud. In Fiscal Year (FY) 2013/2014, DIF Received over 16,063 referrals. The various types of insurance fraud the Division investigates include:
Workers' Compensation Fraud (includes claimant and premium avoidance)
Licensee Fraud (includes insurance agents and public adjusters)
Unauthorized Entity Fraud
Insurance fraud is not a victimless crime. Reporting insurance fraud is easy and just a click away.