2015 annual report

Uniting the fraud fight

Annual Report 2015

ADVOCACY INFORMATION OUTREACH

1

Publisher’s letter

Don Rounds A formless cloud of dust hovered in dark
Consumer Federation space 4.6 billion years ago. Then gravity
at the Southeast rose up. The dust came together, forming
ever-larger particles. The clumping mass
Frank Sztuk formed Planet Earth.
Hanover Insurance
The forces shaping planets mirror
“If everyone is moving the power of partnering against fraud.
forward together, The Coalition is an alliance. We create a
gravitational pull that brings people and
then success takes organizations together. It’s an irreplaceable
care of itself.” role, which unifies and amplifies the
fraud fight.
— Henry Ford
The Coalition’s three pillars of
membership — insurers, consumer groups
and government agencies — align to help
shape this mission.

The last year reflected, well, a world of
partnering.

We teamed with IASIU to mount
grassroots letter-writing campaigns urging
stronger state fraud laws. A public-private
partnership the Coalition co-founded
advanced in uniting fraud fighters against
medical schemes.

Gravity begets worlds greater than their
individual fragments. In like manner,
partnering force-multiplies the Coalition’s
surge against fraud crime. That’s what
makes partnering so ... universal.

Sincerely,

Frank Sztuk Don Rounds
Co-chair Co-chair

2

“They think the worst thing “I’m desperately sorry for all
that can happen is that the of this. I never ever thought
insurance company won’t pay
the claim. No, the worst that I would hurt my family, my
can happen is that they can be community. I-I-I can’t talk.

charged with fraud.” I’m sorry.”

— San Diego County Deputy — Convicted workers
compensation swindler
DA John Philpott Carole J. Swan, Chelsea, Me.

3

Public outreach

Coalition informs tech-savvy consumers using visuals, social media

“Next to doing the right thing, the
most important thing is to let people
know you are doing the right thing.”

— John D. Rockefeller
4

America is rewiring. Millennials
are coming of age, 83-million strong.
Social media are mainstream sources
of news and opinions. Mobile devices
are becoming a tech-savvy society’s
info-sharing tools of choice.

We’re also a visual nation. Increasingly,
people want fraud message using
rich images and video. Call it cornea
communication.

The Coalition is shaping how people view
fraud by pursuing these outreach goals:

• Be visual. Tell the fraud story with
rich images and video;

• Go social. Launch a constant flow of
anti-fraud messages via Facebook, Twitter,
Instagram and other social sites; and

• Think mobile. Make anti-fraud
messages easy for people to view
on smartphones, iPads and other
mobile devices.

Visualizing fraud: see
deterrence in new light

Infographic. “Protect your
hard-earned money from insurance
thieves. And steer clear of scamming
— unless a jail cell seems like appealing,
rent-free housing.”

So opens the Coalition’s new fraud
infographic. It’s the first of its kind in
America. Insurance fraud: Why Care? is
edgy for youths yet right for older adults.

5

The fraud story unspooled in high-impact At least 50 Coalition members have

graphics. 5 ways fraud stiffs you. ... 3 scams requested the dramatic 30-second videos

you can prevent ... 5 ways you’re toast. to customize for their outreach efforts.

Did you know highly trained arson A job seeker loses a near-certain
dogs can smell things 100,000 times offer after admitting she had
better than people?. a fraud conviction.

The fraud story came alive, at-a-glance. “Man, that’s insurance fraud. That’s

The graphic will be widely circulated to serious stuff,” an irate guy warns a buddy

consumers. And Coalition members will who’s about to inflate the value of a stolen

adopt Why Care? for their own outreach TV.

efforts. Erie Insurance posted the video spots

Video spots. A valued partnership on its YouTube channel. Same with the

begat the Coalition’s signature visual Colorado insurance department. The

outreach tool — eight consumer video fraud Iowa-Nebraska chapter of IASIU rotates

spots. They show everyday consumers videos on its homepage.

making dumb choices to bilk their insurer

— or thinking about it.

A Coalition board member, the
Pennsylvania Insurance Fraud Prevention
Authority, gifted the videos for Coalition
adoption.

6

“As a united alliance,
the Coalition carries
unique credibility with
reporters seeking
authoritative insights
about this crime.”

Social-media efforts Consumer engagement — how involved
grow fast in 2015 they were — in more than quadrupled on
Facebook and nearly doubled on Twitter
over 2014. It was the fourth straight year
of significant Facebook growth.

The Coalition is America’s defining
voice of the fraud fight on social media.
Deterrent news of fraud busts, convictions
and ruined lives flowed out daily on
Facebook and Twitter.

The Coalition’s social sites were
constantly updated staging grounds of
news, mugshots, TV shows and anti-fraud
messages.

Hundreds of posted cases reminded
consumers that insurance fraud is a
dead-end street.

Just as important, we had real-time
conversations with consumers — teachable
moments all.

People asked how to report scams. Some
knuckleheads bragged about their crimes
— a perfect forum for Coalition rebuttal.
Some people just wanted to learn about
fraud. The Coalition regularly responded.

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Making fraud news, “If you have to face a suit, it can be
shaping views financially draining. It makes you think

As a united alliance, the Coalition carries twice about defrauding an insurer.”
unique credibility with reporters seeking — Boston Globe (insurers suing
authoritative insights about this crime. staged-crash rings)

News outlets of all sizes sought the “When you’re posting your exploits
Coalition for interviews to define trends in front of tens of millions of people to
and give deterrent consumer advice. freely see, that’s not privacy anymore.
Stories spanned all lines of insurance. You’ve posted your activities on your
They ranged from staged crashes to
workers compensation to Medicare digital front lawn.” — CBS News
— 27 distinct fraud topics. (social-media searches)

“The moment you get a call or email
asking for your [Medicare] number
by someone claiming they’re from

Medicare, you’re dealing with an
automatic scam.” — U.S. News & World

Report (Medicare cons)

8

Fraud journal: prime
field intel for leaders

Executive insight abounded in the
Coalition’s quarterly flagship publication,
Journal of Insurance Fraud in America.

Thought leaders brought actionable field
intelligence for decisionmakers in JIFA
articles. Coalition members furthered
our close partnership by writing several
articles.

A decisionmaker forum, JIFA defined
trends that are re-shaping the fraud fight.

Why rational swindlers avoid crime when
risk isn’t worth the reward ... how insurers
use civil suits against staged-crash rings ...
how insurers can learn from how financial
services detect fraud ... why drones could
be the next anti-fraud impact tool.

“Thought leaders
brought actionable
field intelligence for
decisionmakers in

JIFA articles...”

9

Pharaohs of fraud
shamed, blamed

Memo to insurance cheaters: Here’s
an easy shortcut to ruining your life
... try and defraud your insurance
company.

Such is the deterrent message the
Insurance Fraud Hall of Shame signals
to millions of consumers.

The Coalition dishonored the
most-brazen or klutzy convicted
criminals of 2015. People are 20 times
more likely to recall stories than raw
facts or data. Two highlights:

Fiery coffin. Dion and Jennifer
Longworth were incinerated when their
next-door neighbor Mark Leonard
blew up his Indianapolis house for a
$300,000 insurance payout.

His botched arson explosion leveled
much of the neighborhood. At least 80
homes were damaged. Jennifer died
instantly. Onrushing flames trapped
Dion in his basement. Leonard
received life without parole.

Colossal crashes. Mikhail
Zemlyansky ran one of the largest
staged- crash rings in history. His
criminal network lodged at least
$279 million in fake injury claims
from setup car wrecks. Zemlyansky’s
Russian-speaking gang worked the New
York City area. Crooked doctors forged
medical reports. Car passengers were
coached to fake injuries. Zemlyansky
received 15 years in federal prison.

10

Legislation

Grassroots activism helps pass fraud laws, grow impact

“I believe in democracy because
it releases the energies of
every human being.”

— Woodrow Wilson
11

Auto scams being
roadblocked in 3

hotbed states

Minnesota and Kentucky faced upsurges

of staged-crash rings setting up operations

in urban areas. Seasoned ringleaders

perceived both states as soft targets for

bogus injury claims.

New Jersey was dogged by instate drivers

illicitly avoiding high auto premiums

by lying they garaged their vehicles in

lower-premium states.

The Coalition built support by

proposing laws, testifying in statehouses,

and writing key committee chairs and

other policymakers. Joint grassroots

campaigning added considerable support “Medical mills and
as all three hotspot states enacted new staged-crash rings
fraud laws.

Minnesota. The state commerce are spreading in
department gained authority to civilly Minnesota. Stronger
fine fraudsters, and boot crooked medical insurance fraud laws
providers from the insurance system. are needed to help
combat these criminal
The Coalition proposed those measures. enterprises.”
Legislators adopted them into a bill
that became law. “Medical mills and
staged-crash rings are spreading in

Minnesota. Stronger insurance fraud laws

are needed to help combat these criminal

enterprises,” the Coalition told a key

legislative committee in testimony.

Kentucky. The Coalition also opposed

scammers who try to lure crash victims into

getting whiplash treatment that’s inflated,

useless and fraudulently billed to insurers

in Kentucky.

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“The Coalition was
front and center.
We steadily worked
to build support
behind the scenes.”

Recruiters for fraud rings often
showed up at crash scenes or cold-called
often-dazed victims with pitches for shady
medical clinics.

Lawmakers fortified a Kentucky law
forbidding soliciting of victims for 30 days
after the crash. The Coalition was front
and center. We steadily worked to build
support behind the scenes, and testified
in the statehouse. The clampdown on
soliciting crash victims became the law of
the land in Kentucky.

New Jersey. Dodgy drivers will face
stiff penalties for lying that they garage
their vehicles in lower-premium states.

The Coalition firmly supported a bill
making auto-rate evasion a specific crime.
Faking a garaging locale defrauds insurers
and penalizes honest drivers, we testified
before the Senate during hearings. Gov.
Chris Christie received a Coalition letter
when the bill reached his desk for signature
in early 2016. Christie signed the measure
into law.

13

Grassroots lobbying “It was the first time
lends vital support for investigators had
petitioned a governor.”
hotspot bills

Fraud fighters took more decisive
steps as a grassroots lobbying strike
force growing more-skilled in gaining
the attention of state legislators.

The Coalition joined forces with the
International Association of SIUs to
launch letter-writing campaigns. Fraud
fighters successfully urged “yes” votes for
new anti-fraud laws in the hotbed states
of Minnesota, Kentucky and New Jersey.

A salvo of support in New Jersey went
to legislators debating a bill making
evading auto premiums a specific
crime. Fraud fighters weighed in again,
urging Gov. Christie to sign after the
measure cleared the state house. It
was the first time investigators had
petitioned a governor.

IASIU members also urged passage
of three anti-fraud provisions in
Minnesota. More rounds of letters
sought to greatly limit soliciting of
crash victims for potentially false injury
treatment in Kentucky.

At least 120 fraud fighters backed a
similar measure in New York, though
that bill stalled.

Letter-writing campaigns in four
states, new fraud laws in three.

The successes reflected the Coalition’s

growing partnership with IASIU.

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“We’re the lead
anti-fraud adviser
to America’s state
insurance regulators.”

Deflating airbag cons Advising national groups
with Honda America
The Coalition helps set national
Repair shops make good money anti-fraud policy through our hands-on
installing cheap knockoffs then billing advisory work with major national groups.
insurers full freight for expensive
manufacturer versions. Motorist lives are We’re the lead anti-fraud adviser to
on the line — knockoffs typically don’t America’s state insurance regulators. The
inflate properly in a crash. Coalition helps the NAIC’s anti-fraud task
force shape influential model bills that
Marketing and installing counterfeit states often adopt.
airbags must be a specific crime with
stiff penalties. That was the message the Thwarting crooked contractors and
Coalition and Honda America jointly airbag scams were highlight issues.
pursued in hotspot states.
The Coalition also regularly educated
New Jersey, New Mexico and Iowa the NAIC’s Consumer Liaison Committee
made airbag scamming a specific about scams and their impact on
crime last year. consumers.

States are awaking to the need The need for strong contractor and airbag
to thwart dangerous airbag scams. laws was a key message the Coalition also
Ten states have booked similar pursued as the lead anti-fraud advisor
airbag-fraud laws since 2013. to the National Conference of Insurance
Legislators.

15

Healthy healthcare
partnerships

Joint efforts played out through the
Coalition’s work with a unique partnership.

The Healthcare Fraud Prevention
Partnership pulls together federal agencies
(Medicare, Department of Justice) ... state
fraud fighters ... private health plans ... and
property-casualty insurers to pool data and
share strategy.

Last year was a breakout year. The
HFPP identified a record number of
suspect medical provider and uncovering
new scams. The partnership has saved
more than $250 million in recoveries and
fraudulent claims not paid since it was
formed in 2012.

More than 60 organizations had
signed on as partners by the end of 2015.
To enhance data exchange, Computer
Sciences Corporation was hired to
pool and analyze billions of bits of data
submitted by partners.

“The HFPP identified
a record number

of suspect medical
provider and uncovering

new scams.”

16

Arsonist reveals secrets
Home fires: Convicted cheater shows how to expose arsonists

“If our house be on fire, without
inquiring whether it was fired from

within or without, we must
try to extinguish it.”

—Thomas Jefferson
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Insurers should better probe home fire
claims before so quickly paying claims that
turn out to be arsons.

So said convicted insurance arsonist
Kenny Allen and the investigator
who helped bust him. Their riveting
presentation was a highlight of the
Coalition’s annual membership meeting
in December.

Kenny Allen convicted insurance arsonist Noted experts from around the
U.S. revealed new trends in exclusive
briefings that help inform the Coalition’s
strategic goals.

Allen led a large arson ring that torched
62 homes and 11 vehicles, mainly in the
Muncie, Ind. area.

His gang stole $3.4 million until he and
44 other ring members pleaded guilty
in 2008. Allen served nearly four years
in prison. Today he has an honest job
delivering FedEx packages. Allen says
he’s gone straight and is trying to show
insurers how to better spot clues of arson
schemes like his.

Allen teamed with former federal arson

investigator Mike Vergon in the Coalition

“Noted experts from presentation. Vergon helped break open
Allen’s crime ring. They’re now friends
around the U.S. revealed and colleagues. Vergon today runs his own
new trends in exclusive arson investigation firm.
briefings that help Allen routinely used bluster to intimidate
inform the Coalition’s insurer adjusters into paying fire claims.
He often fried chicken wings on the stove,
strategic goals.” then left with the wings cooking.

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“Who are you to say it wasn’t an accident. cheap junk furniture into homes, then
I was preparing to fry up some wings, made inflated claims for phantom
got distracted and left the grease on the higher-end possessions.
stove too long,” he forcefully questioned
adjusters and investigators. All insurer personnel involved with a fire
claim should ask pointed questions, and
Threatening to complain to the adjuster’s the same questions, at each stage of the
boss also worked. “I want the name and claim, Vergon advised.
phone number of your boss. I want to
speak about the way I am being treated,” This will elicit more information, and see
he routinely told insurer adjusters. if a claimant’s alibi and other parts of the
story remain consistent throughout the
Larger insurers often were easy targets. claim process.
Their adjusters had big caseloads and often
were in a hurry to close claims. Agents, adjusters, claim and
subrogration staff, SIUs and others all
Nor did insurers regularly communicate should ask detailed questions — while
with each other to see if the same being respectful of a claimant’s possibly
“homeowners” were making suspiciously difficult personal losses. Claimant
large numbers of fire claims in the same alibis were important clues that often
region, Allen said. weren’t probed.

Another tactic: Hire a compliant and Information gathers also should be
crooked public adjuster to package claims. carefully packaged and made available to
other insurer staff involved with the claim.
Nor did agents visit homes to check Information often varies in quantity and
contents before binding the policy. quality. Some also is lost or misplaced,
Allen and ring members often stuffed leaving incomplete files.

19

Why we fight

Insurance plotters wreck lives, invent easy excuses for thievery

20

Steven Krawitz Beto Mejia William Worthy

Just a tiny white lie. ... Nobody will miss The lawyer stole $1.9 million of
the money. ... Everybody does it. ... Because settlements from 50 trusting clients. Most
I can. clients received no money, and some
People find convenient excuses to steal received a fraction. Krawitz received up to
insurance money. Thievery pays the 12 years in federal prison.
mortgage, buys a new SUV or builds
a vacation home. Theft is easier than Lousy role model. Robert “Beto”
succeeding honestly, crooks often reason. Mejia preached the value of hard work
and discipline to the mostly lower-income
Lost amid the slippery excuses are football players at Mendota (Calif.) High
innocent victims. Insurance fraud hurts. School. A popular community role model,
Schemes carve a trail of riven lives, ruined Mejia inspired the undersized school to
health and broken dreams. Witness: over-sized championships and trophies.

Ruin clients. Robert Rough had Mejia also was an insurance thief.
cancer. He’d already lost his business He told his insurer that someone stole his
after a car crash cost him full use of his ATV from the bed of his pickup truck. It
hands. Rough’s Manhattan personal-injury was parked in front of his home while he
lawyer Steve Krawitz stole his $100,000 dined at a restaurant, he lied. Mejia sold
insurance settlement. out his values and players for a $4,000
insurance claim.
Krawitz also stole from a 96-year-old
great-grandmother who broke her He took faked the theft because he
shoulder when a car hit her. didn’t want to pay for repairs. Mejia
pleaded no contest and received two
A student was hospitalized for three years of probation.
months and needed brain surgery after
a crash. Krawitz looted the fellow’s
insurance settlement.

21

Fake health plans. Oklahoma
real-estate agent Bob Harper was
preparing for his heart pacemaker implant.
He discovered his supposed health
insurance was worthless — just days before
the procedure.

William Worthy had sold him fake health
insurance. The South Carolina man sold
the junk to 17,000 Americans around the
nation. He stole $28 million and lived a
pasha’s life of luxury.

Some victims had acute medical
problems, even cancer. Yet Worthy refused
to pay their large medical bills. Victims
were left to fend for their lives and health.
They often were saddled with thousands of
dollars in unpaid medical bills.

Another Oklahoma resident, Glenda Hey,
had shortness of breath and chest pains.
She needed $32,000 worth of hospital
tests. Worthy refused to pay.

A Houston man had emergency back
surgery, only to discover Worthy wouldn’t
pay his $105,000 bill.

Worthy finally paid up: He’ll spend
nearly seven years in federal prison.

“William Worthy had
sold him fake health
insurance.”

22

How we fight

Slip-and-fall ring slipped and fell under prosecutor’s skillful

23

Alert homeowners in a Philadelphia
neighborhood spied a disturbing pattern.
Pedestrians kept saying they slipped
on small cracks in sidewalks in front of
people’s homes.

The pedestrians were painfully injured,
they said. They kept making large
injury claims against the neighbors’
homeowner policies.

Something wasn’t right. The
neighbors went to the District Attorney
in Philadelphia. It was the right place
to go. Linda Montag is with the DA’s
insurance-fraud unit.

Montag confronted a major slip-and-fall
ring. It was one of Philadelphia’s largest
insurance rings in recent memory.

A local attorney named Andrew Gaber
ran the fraud operation from his downtown
office. He’d assembled a complex crime
ring that bilked 21 insurance companies
out of at least $400,000 in false
injury claims.

Gaber hired an army of recruiters to
bring him “victims” off the streets. Many
were homeless and drug addicts looking
for spare cash. They would be the fake
slip-and-fall victims.

Gaber’s ring targeted neighborhood
sidewalks that had only minor cracks that
didn’t look too obvious.

The phony victims were coached how to
fall and act injured.

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Gaber then filed bogus insurance claims Recordings of conversations by
for equally false injuries. suspects and Gaber himself further
exposed the large conspiracy. Insurance
The scam lasted seven full years. companies, NICB and others produced
The deception made Gaber a rich man valuable evidence.
at the expense of insurers and their
policyholders. Montag assembled more than 350
exhibits for the grand jury. Dozens
Montag went after Gaber’s operation of witnesses also testified. Grants of
with relentless force. Her investigation immunity gave some suspects a big
took more than two years of teamwork. incentive to turn in fellow ring members.
She worked hand in hand with detective Al
Quintile and other skilled members of the Gaber was cornered. He saw no way out.
DA’s fraud unit. Gaber shot himself instead of facing trial
and certain conviction.
Top-to-bottom searches of bank records
plus files of Gaber’s law firm provided Virtually his entire ring pleaded guilty as
important evidence. well. That’s nearly 50 suspects. Like Gaber,
they knew they had no chance.

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Flash Forward

“The future belongs Government affairs
to those who see • Seek stronger state anti-fraud laws;
• Defeat weak legislation;
possibilities before • Expand joint grassroots lobbying;
they become • Seek collaboration with outside
obvious.” groups; and
• Expand website as nation’s hub of
—Entrepreneur legislative information.

John Sculley Public outreach
• Make fraud a visual experience for
consumers;
• Reach consumers using mobile
devices;
• Grow social media as top-tier
outreach tool; and
• Expand Prosecutor of the Year and
Hall of Shame efforts.

Research
Publish reports covering:
• Drivers lying about where they
garage vehicles;
• State insurance-fraud bureaus;
• Life & disability schemes;
• Insurance fraud globally; and
• Criminal sentencing trends.

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Members

Consumer organizations Government organizations

American Council on Consumer Interests* Bucks County District Attorney’s Office
Call For Action Florida Department of Financial Services,
Center for Business & Economic Research,
Division of Insurance Fraud
Marshall University Florida Workers’ Compensation Joint
Center for Consumer Affairs-University
Underwriting Association
of Wisconsin.- Milwaukee* Georgia Insurance Commissioner’s Office
Citizen Advocacy Center* Illinois Department of Insurance
Consumer Action* International Association of Insurance
Consumer Alliance*
Consumer Federation of America* Fraud Agencies *
Consumer Federation of the Southeast* Iowa Insurance Fraud Bureau
Families USA Kansas Insurance Department
Florida Consumer Action Network* Louisiana Auto Theft & Insurance Fraud
Foundation for Payments Fraud
Prevention Authority
Abatement & Activism Louisiana State Police*
Indiana University of Pennsylvania Maryland Automobile Insurance Fund
International Association of Lemon Law Maryland Insurance Administration -

Administrators* Insurance Fraud Division
National Association of Consumer Agency Massachusetts Department of Industrial

Administrators* Accidents
National Center for Prevention of Home Minnesota Department of Commerce

Improvement Fraud Fraud Bureau
National Consumers League* National Association of Insurance
National Fraud Information Center*
National Urban League* Commissioners*
West Virginia Securities Commission National Conference of Insurance

Legislators*
National Criminal Justice Association*

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National District Attorneys Association* Insurance organizations

NC Department of Insurance Criminal

Investigations Division AIPSO

Nebraska Department of Insurance - Fraud Allstate Insurance Company*

Prevention Division American Family Insurance *

New Jersey Department of Banking American Insurance Association*

& Insurance Amtrust North America

New Jersey Office of the Insurance Fraud Assurant

Prosecutor BlueCross BlueShield Association

New York City Police Department Citizens Property Insurance Corporation

Office of Attorney General, Arizona CNA*

Office of the Attorney General, Colorado Country Financial

Office of Attorney General, Pennsylvania* EMC Insurance Companies

Office of the Cape May (NJ.) Prosecutor Erie Insurance*

Office of Medicaid Inspector General (NJ) Farm Bureau Insurance of Tennessee

Office of Medicaid Inspector General (NYS) Farmers Insurance Group*

Ohio Department of Insurance GEICO*

Oklahoma Insurance Department Grinnell Mutual Reinsurance

Orange County District Attorney (Calif.) Hanover Insurance Group*

Pennsylvania Insurance Fraud Harleysville Insurance

Prevention Authority* Hastings Mutual Insurance

Pennsylvania State Police Homesite Insurance

Rhode Island Workers Compensation IAT Group of Companies

Fraud Unit Insurance Company of the West

San Diego County (Calif.) District International Association of Special

Attorney* Investigation Units

San Francisco District Attorney John Hancock Financial Services*

Texas Department of Insurance Fraud Unit Kentucky Employers’ Mutual Insurance

USDA Risk Management Agency Lancer Insurance Company

Virginia State Police Liberty Mutual Group*

Washington State Department Mass Mutual*

of Insurance MetLife*

West Virginia Office of the Insurance National Association of Public

Commissioner Insurance Adjusters

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National Health Care Anti-Fraud G4S Compliance & Investigations
Association Global Elite Risk Management, Inc.
National Insurance Crime Bureau* Hub Enterprises
National Society of Professional IBM Analytics
Identity Theft Resource Center
Insurance Investigators IDology
Nationwide Insurance Company* Inform Software, Inc.
New Jersey Manufacturers Insurance Insurance Committee for Arson Control
International Association of Arson
Group
New York Automobile Insurance Plan Investigators
OneBeacon Insurance* ISG
Pinnacol Assurance ISO
Progressive Insurance* Lemieux & Associates
Property Casualty Insurers Association LexisNexis
Medical Identity Fraud Alliance
of America North American Training Group
Prudential Insurance PhotoFax, Inc.
Scottsdale Insurance Polonious SIU Systems
Selective Insurance PPPFD, Inc.
Sentry Insurance* SAS Institute, Inc.
State Farm Insurance Companies* Sedgwick Factual Photo
Stillwater Insurance The Robison Group
Swiss Re Thomson Reuters
The Hartford* TIG Risk Services
The Standard Insurance Company TransUnion
Travelers Insurance* Veracity Research
Zurich North America* Verisk Health
Watch House International, LLC
Anti-fraud resource
organizations * Member Board of Directors

BAE Systems Coalition staff
CARCO Group
Claims Verification, Inc. Dennis Jay
CoventBridge Group Howard Goldblatt
Delta Associated Investigations James Quiggle
Elijah Mercer
Kendra Smith

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Washington, D.C.
202-393-7330

www.InsuranceFraud.org

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