Fraud Investigation & Subrogation

If You Suspect Fraud

The professionals in CIRMA's Special Investigation Unit, along with the state prosecutor's office, work diligently to protect the insurance system and our members by validating claims. Insurance fraud schemes have grown larger and more complex in recent years; staged-accident scenes and health-fraud scams are now often well organized professional operations.

CIRMA's prompt identification of fraudulent claims followed by timely and professional investigations, enables us to avoid making unmerited claim payments, saving you money and helping to reduce rates. 

Preventing Fraud in Liability, Auto & Property Claims
The Insurance Research Council estimates that 17 to 20 cents of every dollar paid for bodily injury claims from auto policies involves fraud or "claim buildup." Here's how to avoid being victim of a scam:

• When an accident happens, secure the location where the incident happened, if possible. 
  
  
• Take multiple photographs of the incident area.
  
  
• Gather information from all witnesses, including full names, addresses, and telephone numbers.
  
  
• Keep detailed notes of the collected information.
  
  
• Report the incident and all pertinent information to CIRMA.

If you suspect fraud, call CIRMA's Special Investigation Unit at (203) 946-3797 or email cirmasiu@ccm-ct.org.

Fraud Awareness Posters

Can You Identity Fraud At Work?	Telling a Lie To Collect WC Benefits	WC Fraud: A High Price To Pay	WC Fraud Hurts Us All

Subrogation: Savings for Members

When it isn't the employer or the employee who is responsible for an on-the-job injury or property damage, CIRMA may pursue the party who is at fault to recover claim payments. This process is known as subrogation and it an important way for CIRMA to lower its Members' claims costs. In years past, CIRMA has recovered over $3.6 million per year through subrogation--this represents significant savings in premiums costs to members.