> For the complete documentation index, see [llms.txt](https://dubs-docs.gitbook.io/tbd-rp-department-of-justice-legal-code/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://dubs-docs.gitbook.io/tbd-rp-department-of-justice-legal-code/unified-code-of-laws/title-6-penal-code/2-crimes-against-property/2-17-insurance-fraud-property-damage.md).

# \[2] 17 - Insurance Fraud (Property Damage)

**Offense Classification: Felony**

**Definition:**

Insurance Fraud (Property Damage) occurs when an individual **deliberately damages or stages damage to property** with the intent to **file a fraudulent insurance claim for financial gain**. This includes **staging vehicle thefts, burning homes, or falsely reporting property loss**.

**Elements of the Crime:**

* The suspect **deliberately damaged or staged damage** to property.
* The suspect **submitted or attempted to submit a fraudulent insurance claim**.
* The act was **not justified** (e.g., not a legitimate insurance claim for real accidental damage).

**Penalties:**

* **Jail Time:** 5 to 15 years
* **Fine:** Up to $100,000
* **Additional Consequences:** Restitution to insurance providers, permanent fraud record

**Related Charges:**

* **\[2] 11 - Arson** *(If the fraud involved deliberately setting fire to property.)*
* **\[2] 5 - Auto Theft (Grand Theft Auto)** *(If a vehicle was falsely reported stolen.)*
* **\[3] 1 - Fraud** *(If insurance fraud involved false documentation or identity theft.)*


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