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CA Department of Insurance

Fraud Claims and Forms

Suspected Fraudulent Claims (SFCs)

The Fraud Division has established a method for insurers to report suspected insurance fraud. It is important to know that notification of insurance fraud may be made anonymously. You may contact any of the Fraud Division Regional Offices directly responsible for your county. Other types of complaints may be directed to the Department's Consumer Services Division. For further information about the Fraud Division and its programs, visit the Fraud Division's home page.

The Insurance Code states that no insurer, or the employees or agents of any insurer, shall be subject to civil liability for libel, slander or any other relevant cause of action by virtue of providing information concerning a Suspected Fraudulent Claim (SFC) to law enforcement, including the California Department of Insurance, Fraud Division.

There have been some minor upgrades to our intake process that will allow us to email the initial status letters to a referring Special Investigative Unit (SIU). The Fraud Division receives on average 27,000 referrals each year across all fraud programs. Until recently, the process required the Fraud Division to print and mail the initial status letters to the referring SIU. The  letter will now be sent to the email address that is provided on the FD-1 or eFD1. If no email address is provided, the letter will be mailed.


Suspected Fraudulent Claim Form (electronic eFD-1)

Registration to Submit Electronic eFD-1s on a Continual Basis (i.e. Insurers, TPAs, Self-Insureds)

Suspected Fraudulent Claim Form (electronic eFD-1)

On October 1, 2018, the Fraud Division will be releasing a new eFD-1 company portal.

Key information regarding the transition to the new company portal follows:

  • The last day to submit referrals using the current system is Friday, September 21, 2018 at 5:00 pm PDT.
  • The last day to register as a user in the current system is Friday, September 21, 2018 at 5:00 pm PDT.
  • The system will not be available from September 21 to September 30, 2018.
  • On or after October 1, 2018, current eFD-1 company portal users will need to reset their password in the new portal by clicking the "Forget Your Password?" button.
  • After accessing the new portal, please verify/review your company information and report any discrepancy by emailing ElectronicSubmissionFD-1@insurance.ca.gov.
  • Please verify/review the authorized companies that are authorized to submit referrals on your behalf in the new company portal.
  • Unregistered companies must register at this time for the new company portal. All referrals must be submitted electronically.
  • Referrals by mail will no longer be accepted.

Printable Suspected Fraudulent Claim (SFC) Referral Form (FD-1)

Instructions -Reporting Suspected Fraudulent  Insurance Claims (Revised:  January 2008)

FD-1 Referral Form - (Revised:  January 2008)

Effective September 21, 2018, the FD-1 Referral Form will be discontinued.


Completed FD-1 forms and any attachments are to be mailed to the following address:

California Department of Insurance
Enforcement Branch Headquarters
Fraud Division Intake Unit
2400 Del Paso Road, Suite 250
Sacramento, CA  95834

Consumer Insurance Fraud Reporting Form

The California Department of Insurance has developed a method for members of the general public to report cases of suspected insurance fraud.  As noted in California Insurance Code section 1879.5, no person shall be subject to civil liability for filing a good faith report of suspected insurance fraud to the Department of Insurance.  This form may be accessed by clicking the link below.

Consumer Insurance Fraud Reporting Form

Completed Consumer Insurance Fraud Reporting Forms are to be mailed to the following address:

California Department of Insurance
Enforcement Branch Headquarters
Fraud Division Intake Unit
2400 Del Paso Road, Suite 250
Sacramento, CA  95834



For further information, please contact the Department of Insurance, Fraud Division at (916) 854-5760.
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