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Division Director

Simon J. Blank

Assistant Director

Timothy Cannon

Insurance Fraud
200 East Gaines Street
Tallahassee, FL 32399-0318
Contact Us At:
(850) 413-3115
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Welcome to the Division of Insurance Fraud

Serving and safeguarding the public and businesses operating in the
State of Florida against acts of insurance fraud.




DIF News and Announcements

View the latest DIF News and Announcements!

DIF Annual Report
DIF's FY 2012-2013 Annual Report and Annual Statistical Reports are now ready!
PIP Report Newsletter
This month's PIP Source Newsleter is now available!
PIP Fraud Report
Click to read DIF's Report on PIP Fraud in Florida!
DIF Arrests
Click to read about arrests The Division of Insurance Fraud has made.



About the Division

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 five 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 150 sworn officers and 46 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) 2012/2013, DIF Received over 15,440 referrals. The various types of insurance fraud the Division investigates include:

  • PIP Fraud
  • Workers' Compensation Fraud (includes claimant and premium avoidance)
  • Vehicle Fraud
  • Application Fraud
  • Licensee Fraud (includes insurance agents and public adjusters)
  • Homeowner's Fraud
  • Healthcare Fraud
  • Unauthorized Entity Fraud


Top 5 DIF Referral (Tip) Types

1st Quarter Fiscal Year 14/15

FY 2014-2015 1st Quarter Referrals


Consumers: Check your vehicle identification number








Auto Task Force



Insurance fraud is not a victimless crime. Reporting insurance fraud is easy and just a click away.