New Jersey § 2c:21-4

§ 2c:21-4.

a. A person is guilty of the crime of insurance fraud if that person knowingly makes,

or causes to be made, a false, fictitious, fraudulent, or misleading statement of

material fact in, or omits a material fact from, or causes a material fact to be omitted

from, any record, bill, claim or other document, in writing, electronically, orally

or in any other form, that a person attempts to submit, submits, causes to be submitted,

or attempts to cause to be submitted as part of, in support of or opposition to or

in connection with: (1) a claim for payment, reimbursement or other benefit pursuant

to an insurance policy, or from an insurance company or the “Unsatisfied Claim and

Judgment Fund Law,” P.L.1952, c. 174 ( C.39:6-61 et seq. ); (2) an application to obtain or renew an insurance policy; (3) any payment made

or to be made in accordance with the terms of an insurance policy or premium finance

transaction; or (4) an affidavit, certification, record or other document used in

any insurance or premium finance transaction. b. A person who operates a motor vehicle on the public highways of this State, which

motor vehicle is insured by a policy issued under the laws of another state, is guilty

of the crime of insurance fraud if that person maintains a principal residence in

this State or has his motor vehicle principally garaged in this State and he has knowingly

prepared or made any written, electronic or oral statement, presented to any insurance

company or producer licensed to transact the business of insurance under the laws

of that other state, and which resulted in obtaining a motor vehicle insurance policy

for his motor vehicle in that other state, that the person to be insured: (1) maintains

a principal residence in the other state when, in fact, that person's principal residence

is in this State; or (2) has his motor vehicle principally garaged in the other state,

when, in fact, that person has his motor vehicle principally garaged in this State. This subsection shall not apply to a person who insures a vehicle in another state,

as permitted by and in accordance with the laws of that state, based on a second residence,

or attendance at an educational institution, in that other state, if in obtaining

the policy the person truthfully discloses to the insurance company or producer the

state of the person's principal residence and the state where the vehicle is principally

garaged. c. Insurance fraud constitutes a crime of the second degree if the person knowingly

commits five or more acts of insurance fraud, including acts of health care claims

fraud pursuant to section 2 of P.L.1997, c. 353 ( C.2C:21-4.2 ) and if the aggregate value of property, services or other benefit wrongfully obtained

or sought to be obtained is at least $1,000. Otherwise, insurance fraud in violation of subsection a. of this section is a crime of the third degree and insurance fraud in violation of subsection b. of this section is a crime of the

fourth degree . Each act of insurance fraud shall constitute an additional, separate and distinct

offense, except that five or more separate acts may be aggregated for the purpose

of establishing liability pursuant to this subsection. Multiple acts of insurance fraud which are contained in a single record, bill, claim,

application, payment, affidavit, certification or other document shall each constitute

an additional, separate and distinct offense for purposes of this section . d. Proof that a person has signed or initialed an application, bill, claim, affidavit,

certification, record or other document may give rise to an inference that the person

has read and reviewed the application, bill, claim, affidavit, certification, record

or other document. e. In order to promote the uniform enforcement of this act, the Attorney General shall

develop insurance fraud prosecution guidelines and disseminate them to county prosecutors

within 180 days of the effective date of this act. f. Nothing in this act shall preclude an indictment and conviction for any other offense

defined by the laws of this State. g. Nothing in this act shall preclude an assignment judge from dismissing a prosecution

of insurance fraud if the assignment judge determines, pursuant to N.J.S.2C:2-11 , the conduct charged to be a de minimis infraction.