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Any person who knowingly and with intent to defraud any insurance company or another person files an application  for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and (NY:Substantial) penalties. (Not applicable in Co, HI, NE, OH, OK, OR; in DC, LA, ME & VA, insurance benefits may also be denied)


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