World Surveillance Group Inc (fka WSGI)

[Mr Allan]

You are correct Sam, in some states.

It is complex, as each state sets its own definitions.
Each state passes laws individually and some provisions in these laws may be stronger or better defined than others.

For example, in Florida one has only to provide misleading information-
Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree.

Many states are similar, for example-
Tennessee
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Colorado
It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages.

District of Columbia
It is crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

And many other states are similar

So in answer to the question that Cole posed,
"Does anyone know if...
Someone "lies" in an effort to get insurance they wouldn't otherwise be able to acquire...
Is that insurance "fraud"?
The answer is yes,imo. That fits the definition of attempting to defraud in many states.