24/7 call for a free consultation 212-300-5196




When you’re facing a federal issue, you need an attorney whose going to be available 24/7 to help you get the results and outcome you need. The value of working with the Spodek Law Group is that we treat each and every client like a member of our family.

New York Penal Code 176.30: Insurance fraud in the first degree

Insurance fraud is considered a form of white collar crime. White collar crime is defined as a criminal act, usually some type of fraud, performed by someone with a higher than normal social standing or level of education. These types of cases can be prosecuted on either the federal level or the state level, depending on the type of fraud committed, who the victims are, the total dollar amount involved, and more. In some cases, both the US Attorney and the New York State District Attorney could both prosecute. The laws behind insurance fraud can get very complex.

New York penal code 176.30 Broken Down
New York Penal Code 176.30 deals with insurance fraud where the property involved has a value in excess of $1 million. People can be charged with insurance fraud when they knowingly give false information to an insurance company with the intent to receive money they are not entitled to receive. Penal code 176.30 deals with insurance fraud in the first degree, which is the most serious insurance fraud crime due to the high dollar amount involved. This is a class “B” felony. Sentences for class B felonies can be quite stiff, with prison terms of up to 25 years plus probation, fines, and restitution.

Examples of Class B Felony, First Degree Insurance Fraud
To qualify under Penal Code 176.30, the total dollar amount must exceed $1 million. One example might be when someone fakes a robbery of a valuable collection just so they can file an insurance claim. Another example might be if someone sets fire to their home to get out from under a mortgage and collect on the homeowner’s insurance. These would both fall under the Penal Code 176.30 if the total value was greater than $1 million. There could be additional charges in both these events in addition to an insurance fraud charge.

There are other instances of insurance fraud where the total amount involved could exceed $1 million. Life insurance fraud and healthcare claims fraud are two such examples. However, these types of insurance fraud are covered under a different Penal Code.

George FernandezGeorge Fernandez
14:16 30 Apr 24
Excellent 10 out of 10, Helped resolve my case. Jeremy explained everything and made everything easy to understand.
21:33 24 Apr 24
If you are looking for a lawyer that listens, is aggressive where needed, and holds his word above all else, Todd is the best pick. I had hired multiple attorneys prior to hiring the Spodek Group for a white collar case. The first thing that stood out to me was the cost, as anyone going through the process and dealing with the system, money was tight at that time - especially after hiring and firing multiple lawyers. The cost was not as high as others which was definitely a plus. Todd's intake process was also unlike other attorneys. He took the time to actually listen. He cared. He was trying to put himself in my shoes while I was explaining the situation to him and he really took the time to understand the whole situation. Other lawyers will give you 15 mins and send you a retainer agreement. Not Todd, I think he spent almost two hours with me as I was explaining everything.Not only was he great during the onboarding process, he was supportive and very informative through the entire plea process and eventually sentencing. After hiring him, I asked if I should hire a prison consultant, he told me to save my money as he would do everything they would. He was right and held up to his word. Later on I would hear from others that went with the prison consultants that they were a waste of money - I am glad I listened to Todd!When it came time for sentencing, two days prior to sentencing, the prosecutor tried increasing my proposed prison time by almost double - apparently a normal move. Todd and his team worked with me non-stop through the weekend prior to sentencing to ensure that I was not given additional prison time. Again, he took the time to listen and came up with a strategy to explain the case with great detail.Unfortunately, I did plead guilty as that was my best option. Todd and his whole team wrote up nearly 300 pages of a summary of what happened and why I should not be given prison time. If I breakdown the amount I spent with Todd versus the amount of work that I saw being done, I am shocked I was not charged four times as much. The other benefit was, a lot of criminal defense lawyers were just a single attorney with a paralegal or two. Todd had a team of people that I dealt with (5-7 people that I interacted with), but he was ALWAYS accessible. It would never take him more than an hour to reply unless he was in court.I was sentenced to prison and I was emotionally distraught. Todd and his team did whatever they could even after sentencing to make sure I was alright. He personally stayed in touch with my family to ensure I was doing alright and offered support to them. Most lawyers would consider the job complete at sentencing, not Todd.After prison, Todd still spent time with me to make sure I was on the right track and avoiding any potential risks in the future. He has also been giving advice on how to navigate probation etc and has not been looking at the clock for billing.Although I wish I had never been arrested in the first place, I am glad I had Todd and his team in my corner. Without them I likely would have had to spend a lot more time in prison than I did.Thank you, Todd, and the entire Spodek Law team, for helping turn what was a nightmare into a manageable situation!
Yelva Saint-PreuxYelva Saint-Preux
19:26 19 Apr 24
I am immensely grateful to the entire team at Spodek Law Group for their unwavering dedication and exceptional expertise throughout my case. From our initial consultation to the final resolution, their professionalism and tireless advocacy made all the difference. Their strategic approach and attention to detail instilled confidence in me every step of the way.Thanks to their hard work and commitment, we achieved a truly favorable outcome that exceeded my expectations. Not only did they navigate the complexities of my case with precision, but they also provided invaluable support and guidance during what was undoubtedly a challenging time. I cannot recommend Spodek Law Group highly enough, especially attorneys Todd Spodek and Claire Banks; they are beacons of excellence in the legal profession.YSP.
Katherine SunKatherine Sun
18:08 18 Apr 24
my lawyer is Alex Zhik. Efficient, patient and professional
Nun yaNun ya
17:48 18 Apr 24
Todd, Ralph and Alex are amazing. Helped my husband get from a double digit number with multiple charges to a single digit, by the time I blink he will be out. They very professional and help with all your needs. They dealt with my anxiety and worry very well and they understand that your family member needs to get home as soon as possible.
Keisha ParrisKeisha Parris
20:45 15 Mar 24
Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.
Taïko BeautyTaïko Beauty
16:26 15 Mar 24
I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence.Thank you team!
K MarK Mar
01:37 25 Jan 24
I recently had Spodek Law Group represent me for a legal matter in NYC and I am thoroughly impressed with their services.Alex Zhik secured the best possible outcome for my case.It was a seamless journey from the initial consultation to the resolution of my legal matter. From the moment I spoke to Todd about my case, his enthusiasm to help was evident, setting a positive tone for the entire experience. The efficiency and professionalism displayed by the team is commendable.A particularly noteworthy aspect of their service is their user-friendly portal to upload your documents/evidence. This not only simplified the process, but showcases their commitment to streamline the client experience.Lastly, in an industry where legal fees can often be a concern, I found their pricing to be very reasonable, making needing legal assistance feel accessible and stress-free.I am grateful for their support and wouldn't hesitate to turn to them again in the future.

Defenses Against a Charge of First Degree Insurance Fraud
There are many different defense strategies that a good experienced criminal defense attorney can utilize. The first test is always intent. If you didn’t intent to defraud the insurance company or didn’t realize that you were filing a claim with false information, you wouldn’t be guilty of fraud. For example, if a family member removed a piece of valuable property and you thought it was stolen, then that wouldn’t be considered insurance fraud because you didn’t know and didn’t willfully intend to deceive the insurance company. Similarly, if you filed a claim and unknowingly made false statements, that would not be considered fraud. The key is intent. In addition, if the total value of the insurance claim is less than $1 million, than Penal Code 176.3 would not apply and the charges should be reduced.

New York Penal Code 176.30 is a very serious charge that carries substantial fines and potential prison time of up to 25 years. There are defenses that a good experienced New York criminal attorney can utilize to help minimize the sentence, reduce the charges, or even get the case dropped altogether. The most important thing is to contact a good attorney as soon as possible when these type of charges are levied against you. A good defense attorney will examine all the fact and be able to present the best possible defense.

New York Penal Code 176.25: Insurance fraud in the second degree

In general, insurance fraud refers to any attempt to make a false claim to an insurance company, with the hope of illegally acquiring money or property. Although false arson claims are one of the most common insurance fraud attempts, there are also plenty of others. For instance, there have been cases where healthcare providers have attempted to bill insurance companies for services that were never rendered. Under the New York penal code though, insurance fraud in the second degree specifically refers to an attempt, whether successful or not, by someone to obtain property with a value of more than $50,000 and less than $1,000,000 from an insurance company.

Examples of Insurance Fraud

As previously mentioned, one of the most common examples of insurance fraud is arson. For example, if someone’s home is burned down, they might try to make a claim with an insurance company for the value of the house. If it is discovered that the person whose house burned down was the one responsible for the fire though, and intentionally committed the act in order to collect money from the insurance company, then they could be charged with insurance fraud. If the home’s value fell within the range between $50,000 and $1,000,000, then they would specifically be charged with insurance fraud in the second degree.

Defending Against Insurance Fraud Claims

In order to avoid being charged with insurance fraud in the second degree, a NYC criminal lawyer will normally try to prove that the value of the insurance money was less than the ,000 minimum requirement. Of course, proving this does not absolve a defendant of guilt, but it does mean that the charge can at least be lowered to insurance fraud in the third, fourth, or fifth degree.

Aside from lowering the charges, the other primary defense against insurance fraud in the second degree is to prove that any wrongdoing was not actually intentional. For instance, if an insurance claim is found to be inaccurate, it could be argued that the defendant did not intentionally misrepresent their situation, and only made an inaccurate claim due to insufficient information. This is a common defense with regards to health insurance claims, where the circumstances surrounding a patient’s health can sometimes be difficult to determine, as well as the nature of any operations that they might require. Simply put, it is not enough for an insurance company to show that an error was made, they must also prove that the error was made intentionally.

Sentencing for Insurance Fraud

Insurance fraud in the second degree is treated as a class E felony, which means that anyone found guilty of it can be sentenced to up to 15 years in prison. In addition to serving time in prison, a guilty party can also be charged a fine or even sentenced to probation for up to five years. Finally, the judge can also order any money that was illegally obtained to be paid back to the insurance company.

Given the serious consequences associated with an insurance fraud case, it’s recommended that anyone suspected of having committed insurance fraud to immediately seek out an attorney. Since insurance fraud in the second degree can lead to prison time, as well as hefty fines, it’s important to have someone with expertise in the area to handle the case and ensure that the defendant has the best chance of avoiding punishment.

New York Penal Code 176.20: Insurance fraud in the third degree

Insurance fraud occurs when a person uses dishonesty or a material misrepresentation in order to get a payment from an insurance company that they don’t really deserve. People can try to use any type of insurance to commit fraud. Consumers can submit false claims on homeowner’s insurance, automobile insurance and medical insurance, to name just a few.

Even public insurance programs like medicaid and Medicare are subject to fraud. Insurance fraud costs honest consumers because it raises the premium rates for everyone. This is why courts take insurance fraud seriously.

Examples of insurance fraud

Fraud can occur on a homeowner’s insurance policy when a person commits arson. After the arson, they make a claim for the value of their home, even though the insurance policy excludes arson from their coverage. Another homeowner’s insurance fraud occurs when a person claims that a thief stole items when the items aren’t really stolen.

In automobile insurance, fraud can occur when a person claims that damage occurred in a crash when the damage really occurred at a different time. A person might also claim damages for physical injuries when the person didn’t really suffer the injuries in the automobile crash. A person might even claim that a crash occurred when it really didn’t even happen.

Types of insurance fraud

New York law aims to punish people more severely if their insurance fraud involves greater amounts of money as opposed to lesser amounts of money. For this reason, there are several different degrees of insurance fraud under New York law. You might face a charge of insurance fraud in the third degree if you attempt to cheat an insurance company out of more than $3,000 but less than $50,000.

Insurance fraud in the third degree

Insurance fraud in the third degree is a violation of New York penal code 176.20. It is a class D felony. A conviction can send you to up to seven years in prison. You also face a potential term of probation of up to five years. You have to pay restitution in the amount of the fraud.

All felony charges are serious, so it’s crucial that you speak with an NYC criminal attorney if you’re facing this type of charge. The attorneys at Spodek Law Group have years of experience defending clients from insurance fraud claims. An attorney can help you evaluate potential defenses. If it’s appropriate, they can help you approach the state’s attorney with your defenses. Your attorney might be able to get your charges dismissed before trial or help you reach a non-trial resolution that works for you.

Possible defenses

If you’re charged with insurance fraud in the third degree, the state has to be able to prove that you intended to cheat someone else. In some cases, the state might not be able to prove your intent. It’s possible that you didn’t plan to cheat the insurance company at all. You might have had honest misconceptions about a situation, or it might be a situation where reasonable minds can differ. Any misunderstanding of this nature can serve as a defense to the charges against you.

You can also attack the amount of the fraud. Although it might seem technical, insurance fraud is charged by degrees. It might be worth your while to argue that the alleged fraud didn’t amount to $3,000. Because it’s an element of the charge, the amount of the fraud is something that the state has to prove. If the state can’t prove the amount, it can serve as a viable defense to the charges.

Schedule Your Consultation Now