Insurance Fraud

Insurance fraud is a serious crime that affects everyone — it drives up costs and harms the people who depend on their coverage most. At Shelby Navigational Insurance LLC, we are committed to transparency, honesty, and protecting our clients from fraud of any kind.

What Is Insurance Fraud?

Insurance fraud occurs when someone intentionally deceives an insurance company or consumer for financial gain. It can take many forms, including:

• An agent enrolling you in a plan without your knowledge or consent
• Misrepresenting plan benefits, costs, or coverage
• Switching your plan without your permission (also known as "slamming")
• Collecting premiums without submitting applications to a carrier
• Selling unlicensed or fake insurance products
• Providing false information on an application

How to Protect Yourself

• Always verify that your agent is licensed in your state before sharing personal information
• Never pay cash for insurance premiums — always pay directly to the carrier
• Review your insurance documents carefully and ask questions if anything is unclear
• Keep copies of all applications, policy documents, and correspondence
• Be cautious of unsolicited calls, emails, or door-to-door visits offering unusually cheap coverage

Medicare Fraud

Medicare fraud is a federal crime. Be aware of agents who:

• Contact you uninvited to sell Medicare plans
• Ask for your Medicare number in exchange for free gifts or services
• Pressure you to enroll in a plan on the spot
• Claim to be from Medicare or the government

To report Medicare fraud, contact the Office of Inspector General at 1-800-HHS-TIPS or visit oig.hhs.gov.

Report Insurance Fraud in Florida

If you suspect insurance fraud in Florida, you can report it to the Florida Department of Financial Services:

• Online: myfloridacfo.com
• Phone: 1-800-378-0445

Our Commitment to You

Shelby Navigational Insurance LLC operates with full transparency. We will never enroll you in a plan without your explicit consent, switch your coverage without your knowledge, or share your information with anyone you have not approved. If something ever doesn't feel right, trust your instincts — and feel free to call us directly.

Contact Us

Shelby Navigational Insurance LLC
Phone: (380) 222-0775
Jacksonville, FL
shelbynavigationalinsurance.com