How do I file an insurance fraud claim in Texas?

Question

Attorneys mother was in a nursing home for 8 years brain dead with Alzeimers. Also he had a mentally retarded brother whom he took care of (State of Texas paid also) and he took out a policy. Amounts unknown. If he took out "too much", is this insurance fraud?

Answer 1

It doesn't sound like he's hastening their death and he may have insured them to recover costs for their care. Nursing care is very expensive, even with state or Medicaid help. It is up to the insurance companies to decide if policy limits are appropriate and they usually make that determination before issuing the policy.

Fraud would only be the case if he LIED about something on the application, and I think that even there, there is a statutory time limit on how long the insurance company has to find out and void the policy.

As long as he didn't lie about the health of the insured, or his right to an insurable interest (his right to be the owner of the policy), he hasn't committed fraud. As son and brother of the insured, he would have adequate insurable interest.

Answer 2

You can contact the Texas Department of Insurance to file a fraud cliam.

Go to http://www.tdi.state.tx.us/fraud/index.html#fraud

This is the fraud unit of the Texas Department of Insurance.

I hope that helps! Take care and best of luck.

Answer 3

At the local Texas police department

Answer 4

That really is up to the insurance company if they feel there was fraud committed they will deal with it, if I were you I would stay out of it - if you are not family it is not your business.

Answer 5

No such thing as "too much". If a company will sell it to you, you can buy it. There's no fraud in the situation you describe.

Answer 6

LIFE INSURANCE THERE IS NEVER ENOUGH AND SAME WITH HEALTH AS THE COSTS RISE DRAMATICALLY . YOU CAN CONTACT THE TEXAS BOARD OF INSURANCE AND FILE A COMPLAINT . TY FOR THE 10 POINTS IN ADVANCE