As you may have guessed, the country’s economic conditions have caused a nationwide spike in insurance fraud.

A recently released report by the Coalition Against Insurance Fraud points to the economy and continuous pressures on state budgets as the reason for a spike in fraud cases.

Overall, the economy in 2009 appears to have had a significant impact on the incidence of fraud. On average, fraud bureaus reported the number of referrals received and cases opened increased in all 15 categories of fraud included in the survey.

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Those 15 categories of fraud are:

1. Agent fraud
2. Auto – staged
3. Auto – padding/false claim
4. Auto – give up
5. Commercial – arson
6. Disability
7. Drug diversion
8. Homeowners – arson
9. Homeowners – padding/fake
10. Liability – false claim
11. Life insurance
12. Medical – false claims
13. Work comp – worker
14. Work comp – employer
15. Bogus health insurance/discount health plans

The biggest number of fraud cases occurred in the area of bogus health insurance. The report pointed to the reported rise in unauthorized entities selling fake coverage combined with the emergence of medical discount plans as the reason for the dramatic spike in this area.

Drug diversion came in second with survey respondents pointing to the fact that fraud involving the diversion of prescription drugs, mainly painkillers, appears to continuously increase — a trend over the last few years.