Insurance criminals are ripping off the insurance industry and the American public daily. This results in higher insurance premiums for all of us. Keeping money in our pockets starts by educating ourselves about what fraud and theft is, who commits these types of crimes and how we can protect ourselves from becoming victims. Consumers are a vital part of the solution. The NICB publications and fact sheets help to educate the American public and also assist in spreading the word about insurance fraud and theft and our collective efforts to counter these crimes. Please take a few minutes to educate yourself by reviewing the brochures and fact sheets.