Office of the Insurance Fraud Prosecutor

Law Enforcement

Law Enforcement

Introduction

Every law enforcement agency in New Jersey has occasion to encounter or investigate some aspect of insurance fraud. The Office of the Insurance Fraud Prosecutor (OIFP) coordinates investigations of insurance fraud with law enforcement agencies at every level of government, whether municipal, county, state or federal, and facilitates avenues of communication among these agencies in insurance fraud.

OIFP has also published and disseminated to local police a publication known as the Uninsured Motorist Identification Directory (UMID). UMID provides information to enable local police officers to verify the authenticity and current validity of automobile insurance cards by making direct contact with appropriate insurance company personnel.

OIFP has also assigned personnel to act as liaisons to County Prosecutors’ Offices and other law enforcement agencies. OIFP’s County Prosecutor Liaison has established and maintains a comprehensive system for the coordination of referrals between OIFP and County Prosecutors’ Offices. The Prosecutor Liaison is responsible for overseeing and administering the County Prosecutor Insurance Fraud Reimbursement Program, conducting annual training for assistant prosecutors and county investigators, and meeting with County Prosecutors and their staff to discuss reporting requirements and the coordination of investigations.

OIFP’s Law Enforcement Liaison acts as OIFP’s representative in coordinating OIFP’s activities with law enforcement agencies at every level of government, and in facilitating avenues of communication among these agencies in the area of insurance fraud.

Uninsured Motorist Identification Directory (UMID)

The Uninsured Motorist Identification Directory (UMID), is a comprehensive directory of insurance carriers hotlines where law enforcement officers can ascertain the status of insurance with respect to any vehicle insured in New Jersey. It is recommended that every police agency in New Jersey which may conduct traffic stops, establish a protocol which involves the use of the UMID to determine insurance status when checking license, registration and other checks.

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