Utah Code 31A-31-103. Fraudulent insurance act
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(1) A person commits a fraudulent insurance act if that person with intent to deceive or defraud:
Terms Used In Utah Code 31A-31-103
- Application: means a document:(10)(a)(10)(a)(i) completed by an applicant to provide information about the risk to be insured; and(10)(a)(ii) that contains information that is used by the insurer to evaluate risk and decide whether to:(10)(a)(ii)(A) insure the risk under:(10)(a)(ii)(A)(I) the coverage as originally offered; or(10)(a)(ii)(A)(II) a modification of the coverage as originally offered; or(10)(a)(ii)(B) decline to insure the risk; or(10)(b) used by the insurer to gather information from the applicant before issuance of an annuity contract. See Utah Code 31A-1-301
- Certificate: means evidence of insurance given to:
(23)(a) an insured under a group insurance policy; or(23)(b) a third party. See Utah Code 31A-1-301- Contract: A legal written agreement that becomes binding when signed.
- Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
- Department: means the Insurance Department. See Utah Code 31A-1-301
- Employee: means :
(57)(a) an individual employed by an employer; or(57)(b) an individual who meets the requirements of Subsection (55)(b). See Utah Code 31A-1-301- Insurance: includes :
(96)(b)(i) a risk distributing arrangement providing for compensation or replacement for damages or loss through the provision of a service or a benefit in kind;(96)(b)(ii) a contract of guaranty or suretyship entered into by the guarantor or surety as a business and not as merely incidental to a business transaction; and(96)(b)(iii) a plan in which the risk does not rest upon the person who makes an arrangement, but with a class of persons who have agreed to share the risk. See Utah Code 31A-1-301- Insurer: means any person or aggregation of persons:
(3)(a) doing insurance business, as defined in Section 31A-1-301; or(3)(b) subject to the supervision of the commissioner under:(3)(b)(i) this title; or(3)(b)(ii) any equivalent insurance supervisory official of another state. See Utah Code 31A-31-102- Person: means an individual, firm, company, corporation, association, limited liability company, partnership, organization, society, business trust, service provider, or any other legal entity. See Utah Code 31A-31-102
- Policy: includes a service contract issued by:
(150)(b)(i) a motor club under Chapter 11, Motor Clubs;(150)(b)(ii) a service contract provided under Chapter 6a, Service Contracts; and(150)(b)(iii) a corporation licensed under:(150)(b)(iii)(A) Chapter 7, Nonprofit Health Service Insurance Corporations; or(150)(b)(iii)(B) Chapter 8, Health Maintenance Organizations and Limited Health Plans. See Utah Code 31A-1-301- Premium: includes , however designated:
(156)(b)(i) an assessment;(156)(b)(ii) a membership fee;(156)(b)(iii) a required contribution; or(156)(b)(iv) monetary consideration. See Utah Code 31A-1-301- Property: includes both real and personal property. See Utah Code 68-3-12.5
- Runner: includes :
(6)(b)(i) a capper; or(6)(b)(ii) a steerer. See Utah Code 31A-31-102- Service provider: means :
(7)(a) an individual licensed to practice law;(7)(b) an individual licensed or certified by the state under:(7)(b)(i) this title;(7)(b)(iii) Title 58, Occupations and Professions; or(7)(c) an individual licensed in another jurisdiction in a manner similar to a license described in Subsection (7)(a) or (b);(7)(d) an individual practicing any nonmedical treatment rendered in accordance with a recognized religious method of healing; or(7)(e) a hospital, health care facility, or person whose services are compensated directly or indirectly by insurance. See Utah Code 31A-31-102- Statement: includes any:
(8)(a)(8)(a)(i) notice;(8)(a)(ii) statement;(8)(a)(iii) proof of loss;(8)(a)(iv) bill of lading;(8)(a)(v) receipt for payment;(8)(a)(vi) invoice;(8)(a)(vii) account;(8)(a)(viii) estimate of property damage;(8)(a)(ix) bill for services;(8)(a)(x) diagnosis;(8)(a)(xi) prescription;(8)(a)(xii) hospital or doctor record;(8)(a)(xiii) x-ray;(8)(a)(xiv) test result; or(8)(a)(xv) other evidence of loss, injury, or expense; or(8)(b) item listed in Subsection (8)(a) that is a computer-generated document. See Utah Code 31A-31-102(1)(a) knowingly presents or causes to be presented to an insurer any oral or written statement or representation knowing that the statement or representation contains false, incomplete, or misleading information concerning any fact material to an application for the issuance or renewal of an insurance policy, certificate, or contract, as part of or in support of:(1)(a)(i) obtaining an insurance policy the insurer would otherwise not issue on the basis of underwriting criteria applicable to the person;(1)(a)(ii) a scheme or artifice to avoid paying the premium that an insurer charges on the basis of underwriting criteria applicable to the person; or(1)(a)(iii) a scheme or artifice to file an insurance claim for a loss that has already occurred;(1)(b) presents or causes to be presented to an insurer any oral or written statement or representation:(1)(b)(i)(1)(b)(i)(A) as part of, or in support of, a claim for payment or other benefit pursuant to an insurance policy, certificate, or contract; or(1)(b)(i)(B) in connection with any civil claim asserted for recovery of damages for personal or bodily injuries or property damage; and(1)(b)(ii) knowing that the statement or representation contains false, incomplete, or misleading information concerning any fact or thing material to the claim;(1)(c) knowingly accepts a benefit from the proceeds derived from a fraudulent insurance act;(1)(d) intentionally, knowingly, or recklessly devises a scheme or artifice to obtain fees for anything of value, including professional services, by means of false or fraudulent pretenses, representations, promises, or material omissions;(1)(e) knowingly assists, abets, solicits, or conspires with another to commit a fraudulent insurance act;(1)(f) knowingly supplies false or fraudulent material information in any document or statement required by the department;(1)(g) knowingly fails to forward a premium to an insurer in violation of Section 31A-23a-411.1; or(1)(h) knowingly employs, uses, or acts as a runner for the purpose of committing a fraudulent insurance act.(2) A service provider commits a fraudulent insurance act if that service provider with intent to deceive or defraud:(2)(a) knowingly submits or causes to be submitted a bill or request for payment:(2)(a)(i) containing charges or costs for an item or service that are substantially in excess of customary charges or costs for the item or service; or(2)(a)(ii) containing itemized or delineated fees for what would customarily be considered a single procedure or service;(2)(b) knowingly furnishes or causes to be furnished an item or service to a person:(2)(b)(i) substantially in excess of the needs of the person; or(2)(b)(ii) of a quality that fails to meet professionally recognized standards;(2)(c) knowingly accepts a benefit from the proceeds derived from a fraudulent insurance act; or(2)(d) assists, abets, solicits, or conspires with another to commit a fraudulent insurance act.(3) An insurer commits a fraudulent insurance act if that insurer with intent to deceive or defraud:(3)(a) knowingly withholds information or provides false or misleading information with respect to an application, coverage, benefits, or claims under a policy or certificate;(3)(b) assists, abets, solicits, or conspires with another to commit a fraudulent insurance act;(3)(c) knowingly accepts a benefit from the proceeds derived from a fraudulent insurance act; or(3)(d) knowingly supplies false or fraudulent material information in any document or statement required by the department.(4) An insurer or service provider is not liable for any fraudulent insurance act committed by an employee without the authority of the insurer or service provider unless the insurer or service provider knew or should have known of the fraudulent insurance act. - Certificate: means evidence of insurance given to: