Insurance fraud can take on any number of forms, and can involve false statements or omissions made to obtain health insurance, life insurance, disability insurance, homeowner’s insurance, car insurance or even unemployment insurance benefits. Lying on the application to obtain the insurance coverage, or omitting a material fact when making a claim under an existing policy, can both constitute actionable insurance fraud. Insurance fraud charges can also hold when the false or misleading statement indirectly is used to obtain insurance benefits, such as when the defendant lies in the police report filed after a car accident. Exaggerating the damage to property in order to obtain a larger insurance check from a homeowner’s insurance policy is insurance fraud.