How do I report suspected auto insurance fraud to the correct authorities in California?

You report suspected auto insurance fraud to the California Department of Insurance (CDI) Fraud Division. Here are the steps to do so effectively: Step 1: Gather Key Information Before you file a report, collect all relevant details about the incident. This includes the names of individuals and businesses involved, addresses, phone numbers, license plate numbers, vehicle information, dates, times, locations, and a complete description of why you suspect fraud. Any documents, photos, or witness information are also very helpful. Step 2: Report to the California Department of Insurance (CDI) Online The most efficient method is to use the online complaint form on the CDI website (insurance.ca.gov). Go to the "Report Fraud" section and fill out the form with the information you gathered. Be as specific and factual as possible. Step 3: Report by Phone Alternatively, you can call the CDI's Consumer Hotline to report the fraud. The toll-free number is 1-800-927-4357. Be prepared to provide all the details you collected to the representative. Step 4: Inform Your Insurance Company You should also report your suspicions directly to your own insurance company or the company involved in the claim. Most insurers have a Special Investigation Unit (SIU) dedicated to handling fraud. This is a separate step from reporting to the state. Important details and nuances: You can choose to file your report with the CDI anonymously. However, providing your contact information is helpful for investigators if they need to ask follow-up questions. All reports submitted to the CDI are confidential. After you file, the CDI will review the information and decide whether to open a formal investigation. Warnings and limitations: Do not try to investigate the situation yourself or confront the people you suspect. This can be unsafe and may interfere with an official investigation. Know that knowingly filing a false report of fraud is a crime. The CDI investigates criminal fraud but cannot provide you with legal advice or represent you in a civil matter. This is general information and does not constitute legal advice. For complex situations, especially if you are personally implicated in the incident, consult with a qualified California attorney.