When people in the Carbondale, Pennsylvania, area think of insurance fraud, the first thing that comes in to their mind might be someone burning down their own house or staging a car accident in order to collect insurance money that, in reality, they want for other reasons totally unrelated to an accident.
However, insurance fraud is in fact a white collar crime that everyday citizens can find themselves accused of or even formally charged with. Once an accusation is made, it can be very difficult for a person to explain themselves, even if they are completely innocent or, at worse, were merely careless with how they went about filing an insurance claim after a legitimate accident.
One of the reasons for this is that the insurance fraud laws in Pennsylvania are quite broad. They do not just cover claims that are outright fabricated. Insurance fraud includes the providing of any false information with respect to any important aspect about an insurance claim.
Moreover, providing information that is incomplete or misleading can also constitute fraud.
With respect to those who may have mistakenly provided information that is not correct or may have just innocently overlooked an important detail, it can be tough to explain to an insurance company's investigators, or the authorities, how the bad information was an accident as opposed to a criminal attempt to get money to which one was not entitled.
Especially since insurance fraud is more often than not a felony offense that can result in lengthy jail time and significant fines, these sorts of accusations should be taken seriously. Regardless of one's circumstances, a person accused of this type of fraud should consider getting the help of an experienced Pennsylvania criminal defense attorney.