To combat insurance fraud with estimated costs to consumers of an average of $200-300 per year, 40 states have established specific entities that are now responsible for oversight of all related investigations and prosecution efforts. The highlight is the creation of CAIF in 1993 as an including it as an important step in the fight against insurance fraud. The CAIF lists a set of model law elements considered important for all states to adopt in order to effectively combat and deter insurance fraud.