The reservation of rights letter notifies the policyholder that the insurer reserves the right to deny coverage of a claim, in whole or part, pending outcome of a claims investigation.

This table provides a review of state-specific immunity for reporting insurance fraud insurer to insurer, law enforcement, fraud bureau, NICB and NAIC.

A reservation of insurer's rights to discovery, settlement, or defense in denial of a claim for loss and damages, agreed to by insured.

This form authorizes release of information, and requires a notary signature.

This legislation establishes insurance fraud as a specific crime and as a felony in felony cases. It attacks insurance fraud at the source and can be used as a framework for additional laws, such as creating an insurance fraud bureau. The model addresses all forms of insurance fraud, including claims fraud, underwriting fraud, deceptive sales practices and scams by insurance operators.