Ohio Rev. Code » Chapter 2913
Ohio Revised Code

Ohio Rev. Code § 2913.47 (2026)

Insurance fraud

✓ laws through the 2026 session (checked Sept. 2026)
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Effective:
October 24, 2024
Latest Legislation:
Senate Bill 175 - 135th General Assembly
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(A) As used in this section:

(1) "Data" has the same meaning as in section 2913.01 of the Revised Code and additionally includes any other representation of information, knowledge, facts, concepts, or instructions that are being or have been prepared in a formalized manner.

(2) "Deceptive" means that a statement, in whole or in part, would cause another to be deceived because it contains a misleading representation, withholds information, prevents the acquisition of information, or by any other conduct, act, or omission creates, confirms, or perpetuates a false impression, including, but not limited to, a false impression as to law, value, state of mind, or other objective or subjective fact.

(3) "Insurer" means any person that is authorized to engage in the business of insurance in this state under Title XXXIX of the Revised Code, the Ohio fair plan underwriting association created under section 3929.43 of the Revised Code, the assigned risk plan created under section 4509.70 of the Revised Code, any health insuring corporation, and any legal entity that is self-insured and provides benefits to its employees or members.

(4) "Policy" means a policy, certificate, contract, or plan that is issued by an insurer.

(5) "Statement" includes, but is not limited to, any notice, letter, or memorandum; proof of loss; bill of lading; receipt for payment; invoice, account, or other financial statement; estimate of property damage; bill for services; diagnosis or prognosis; prescription; hospital, medical, or dental chart or other record; x-ray, photograph, videotape, or movie film; test result; other evidence of loss, injury, or expense; computer-generated document; and data in any form.

(B) No person, with purpose to defraud or knowing that the person is facilitating a fraud, shall do either of the following:

(1) Present to, or cause to be presented to, an insurer any written or oral statement that is part of, or in support of, an application for insurance, a claim for payment pursuant to a policy, or a claim for any other benefit pursuant to a policy, knowing that the statement, or any part of the statement, is false or deceptive;

(2) Assist, aid, abet, solicit, procure, or conspire with another to prepare or make any written or oral statement that is intended to be presented to an insurer as part of, or in support of, an application for insurance, a claim for payment pursuant to a policy, or a claim for any other benefit pursuant to a policy, knowing that the statement, or any part of the statement, is false or deceptive.

(C) Whoever violates this section is guilty of insurance fraud. Except as otherwise provided in this division, insurance fraud is a misdemeanor of the first degree. If the amount of the claim that is false or deceptive is one thousand dollars or more and is less than seven thousand five hundred dollars, insurance fraud is a felony of the fifth degree. If the amount of the claim that is false or deceptive is seven thousand five hundred dollars or more and is less than one hundred fifty thousand dollars, insurance fraud is a felony of the fourth degree. If the amount of the claim that is false or deceptive is one hundred fifty thousand dollars or more, insurance fraud is a felony of the third degree.

(D) This section shall not be construed to abrogate, waive, or modify division (A) of section 2317.02 of the Revised Code.

Last updated August 16, 2024 at 8:19 AM

Notes of Decisions
Cited in 47 cases (7 in the last 5 years), 1987–2026 · leading case: State v. Dolce, 637 N.E.2d 51 (Ohio Ct. App. 6th Dist. 1993).
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State v. Dolce, 637 N.E.2d 51 (Ohio Ct. App. 6th Dist. 1993). · cites it 14× “, guilty of insurance fraud in violation of R.C. 2913.47 and guilty of Medicaid fraud in violation of R.”
State v. Christian (Slip Opinion), 2020-Ohio-828, 152 N.E.3d 216. · cites it 3× “In June 2012, Christian was sentenced as follows:  Count One—insurance fraud, a violation of R.C. 2913.47(B)(1) and a fourth-degree felony: 18 months;  Count Two—insurance fraud, a violation of R.”
State v. Tolliver (Slip Opinion), 2014-Ohio-3744, 19 N.E.3d 870. · cites it 4× “48, former section 2913.47 or 2913.48, or section 2913.”
State v. Christian, 2014-Ohio-2672. · cites it 4× “The following chart sets forth the changes: Insurance Fraud, R.C. 2913.47 (based on the amount of the claim that is false or deceptive) 9 Degree Threshold Amount before H.”
State v. Balo, 2011-Ohio-3341. · cites it 5× “R.C. 2913.47 defines ‘statement’ as: [I]nclud[ing], but is not limited to, any notice, letter, or memorandum; proof of loss; bill of lading; receipt for payment; invoice, account, or other financial statement; estimate of property damage; bill for services; diagnosis or…”
W. & S. Life Ins. v. JPMorgan Chase Bank, N.A., 54 F. Supp. 3d 888 (S.D. Ohio 2014). · cites it 5× “11; (4) insurance fraud pursuant to Ohio Revised Code § 2913.47; (5) bank fraud in violation of 18 U.”
Logan v. State, 48 S.W.3d 296 (Tex. App.—Texarkana 2001). · cites it 2× “2001) (value of property taken); Ohio Rev.Code Ann. § 2913.47(C) (Anderson 2000) (amount of the claim that is false or deceptive).”
Anders v. Specialty Chem. Resources, Inc., 700 N.E.2d 39 (Ohio Ct. App. 8th Dist. 1997). · cites it 3× “Anders’s claim can be construed to allege that SCR terminated his employment because he failed to participate in insurance fraud and/or falsification of insurance claims.”
Kamnikar v. Fiorita, 2017-Ohio-5605. · cites it 2× “) The complaint also alleges that such conduct constitutes a violation of R.C. 2913.47(B) defining the criminal offense of "insurance fraud.”
State v. Masters, 2020-Ohio-864. “47: {¶21} “(B) No person, with purpose to defraud or knowing that the person is facilitating a fraud, shall do either of the following: {¶22} “(1) Present to, or cause to be presented to, an insurer any written or oral statement that is part of, or in support of, an application…”
McGowan v. Medpace, Inc., 2015-Ohio-3743. · cites it 4× “She argued 7 OHIO FIRST DISTRICT COURT OF APPEALS that her firing on these grounds violated the public policy established in R.C. 2913.47, which prohibits insurance fraud.”
CitiMortgage, Inc. v. Rudzik, 2014-Ohio-1472. · cites it 2× “48, former section 2913.47 or 2913.48, or section 2913.”
Show all 47 citing cases →
Ohio Rev. Code § 2913.47(A)(1): 2 cases
State v. Wolf, 891 N.E.2d 358 (Ohio Ct. App. 3d Dist. 2008).
State v. Holmes, 2026-Ohio-736.
Ohio Rev. Code § 2913.47(A)(2): 1 case
State v. Hebb, 2011-Ohio-4566.
Ohio Rev. Code § 2913.47(A)(3): 1 case
State v. Kaczmarek, 2013-Ohio-5658, 5 N.E.3d 1045.
Ohio Rev. Code § 2913.47(A)(5): 2 cases
State v. Balo, 2011-Ohio-3341. “R.C. 2913.47 defines ‘statement’ as: [I]nclud[ing], but is not limited to, any notice, letter, or memorandum; proof of loss; bill of lading; receipt for payment; invoice, account, or other financial statement; estimate of property damage; bill for services; diagnosis or…”
State v. Stewart, 2012-Ohio-3671.
Ohio Rev. Code § 2913.47(B): 6 cases
Kamnikar v. Fiorita, 2017-Ohio-5605. “) The complaint also alleges that such conduct constitutes a violation of R.C. 2913.47(B) defining the criminal offense of "insurance fraud.”
W. & S. Life Ins. v. JPMorgan Chase Bank, N.A., 54 F. Supp. 3d 888 (S.D. Ohio 2014). “11; (4) insurance fraud pursuant to Ohio Revised Code § 2913.47; (5) bank fraud in violation of 18 U.”
McGowan v. Medpace, Inc., 2015-Ohio-3743. “She argued 7 OHIO FIRST DISTRICT COURT OF APPEALS that her firing on these grounds violated the public policy established in R.C. 2913.47, which prohibits insurance fraud.”
State v. Fender, 2014-Ohio-19.
State v. Stewart, 2012-Ohio-3671.
Ohio Rev. Code § 2913.47(B)(1): 21 cases
State v. Christian (Slip Opinion), 2020-Ohio-828, 152 N.E.3d 216. “In June 2012, Christian was sentenced as follows:  Count One—insurance fraud, a violation of R.C. 2913.47(B)(1) and a fourth-degree felony: 18 months;  Count Two—insurance fraud, a violation of R.”
State v. Balo, 2011-Ohio-3341. “R.C. 2913.47 defines ‘statement’ as: [I]nclud[ing], but is not limited to, any notice, letter, or memorandum; proof of loss; bill of lading; receipt for payment; invoice, account, or other financial statement; estimate of property damage; bill for services; diagnosis or…”
State v. Dolce, 637 N.E.2d 51 (Ohio Ct. App. 6th Dist. 1993). “, guilty of insurance fraud in violation of R.C. 2913.47 and guilty of Medicaid fraud in violation of R.”
State v. Gaiters, 2025-Ohio-30, 260 N.E.3d 712.
State v. Hawkey, 2016-Ohio-1292, 62 N.E.3d 721.
Ohio Rev. Code § 2913.47(B)(1)(c): 1 case
State v. Groves, 2014-Ohio-4337.
Ohio Rev. Code § 2913.47(B)(2): 2 cases
State v. Layson, 2020-Ohio-4336.
State v. Watson, 2012-Ohio-13.
Ohio Rev. Code § 2913.47(C): 3 cases
Logan v. State, 48 S.W.3d 296 (Tex. App.—Texarkana 2001). “2001) (value of property taken); Ohio Rev.Code Ann. § 2913.47(C) (Anderson 2000) (amount of the claim that is false or deceptive).”
State v. Christian, 2014-Ohio-2672. “The following chart sets forth the changes: Insurance Fraud, R.C. 2913.47 (based on the amount of the claim that is false or deceptive) 9 Degree Threshold Amount before H.”
Anders v. Specialty Chem. Resources, Inc., 700 N.E.2d 39 (Ohio Ct. App. 8th Dist. 1997). “Anders’s claim can be construed to allege that SCR terminated his employment because he failed to participate in insurance fraud and/or falsification of insurance claims.”
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