Your insurance agent turned out to be a fraud? Here is how you can draft a police complaint against him using AI (Part 7)

Learn how to draft effective police complaints against insurance agents that prompt swift investigations by citing specific provisions of the Bharatiya Nyaya Sanhita (BNS) and presenting facts in a clear chronological order. Whether you are a consumer lawyer, an aspiring legal professional, or an insurance fraud victim seeking justice, this guide will help you hold fraudulent agents criminally accountable.

Introduction

What if your trusted insurance agent turned out to be your biggest financial nightmare?

What if the person who promised to protect your home through comprehensive insurance coverage was actually setting you up for a devastating financial loss? What if those reassuring words about “complete protection” and “do not worry, everything is covered” were nothing more than calculated lies designed to pocket commission at your expense?

This nightmare scenario plays out thousands of times across India every year. Homeowners purchase policies based on agent promises, only to discover during actual claims that their coverage is worthless. The agent who was so responsive during the sales process suddenly becomes unreachable when you need them most.

I have seen this pattern repeat itself in my practice more times than I care to count. Last month alone, three different clients walked into my office with almost identical stories: agents who promised comprehensive coverage, collected hefty premiums, and then vanished when claims were rejected. What struck me most was their shared belief that they had no real recourse beyond lengthy civil battles.

But here is what most victims do not know: beyond the civil remedies available through consumer forums and ombudsman complaints, insurance agent fraud is actually a serious criminal offence under the Bharatiya Nyaya Sanhita 2023. This means you are not limited to just seeking refunds or compensation; you can also pursue criminal charges against fraudulent agents. And with AI assistance, you can draft a legally sound police complaint that compels immediate criminal investigation, even if you have no legal background.

The difference between a civil case and a criminal complaint is like the difference between asking someone nicely to return your money versus having the police knock on their door with handcuffs. Criminal complaints create urgency, fear, and immediate action in ways that civil cases simply cannot match.

Series recap and overview

In Part 6, we examined how to leverage consumer courts with the help of AI to secure not only your rightful claim settlement but also substantial compensation for harassment, mental agony, and deficiency in service. 

This guide, Part 7, shows you exactly how to use AI to draft a police complaint that turns your insurance agent’s fraud into a criminal case with real consequences. We will walk you through the specific AI prompts needed to identify the exact criminal provisions your case falls under, structure your complaint with legally precise language, and present facts that compel police action.

Before we proceed, here is what this comprehensive series encompasses:

Part 1: Fraud detection – Identify warning signs and behavioural indicators that expose insurance fraud before you fall victim. 

Part 2: Legal strategy – Construct airtight cases, whether you’re pursuing fraud charges or defending against false accusations. 

Part 3: Understanding your rights – Master every legal avenue available when insurance companies wrongfully reject your claims. 

Part 4: Strategic complaints – Craft correspondence that compels insurance companies to take immediate action and provide prompt responses. 

Part 5: Ombudsman intervention – Harness this no-cost, influential mechanism to compel companies to honour their payment obligations. 

Part 6: Consumer protection – Secure not only your claim settlement but also substantial compensation for harassment, mental agony, and deficiency in service. 

Part 7: Criminal action (You are here) – Draft police complaints that prosecutors will actively pursue in cases of fraud, cheating, and criminal breach of trust. 

Part 8: Constitutional safeguards – Approach the High Court when your fundamental rights are breached.

Understanding the criminal framework 

Before diving into the AI framework, it is crucial to understand why filing a criminal complaint against fraudulent insurance agents is both legally viable and strategically important.

Under the Bharatiya Nyaya Sanhita, 2023 (“BNS”):

• Section 316: Criminal breach of trust applies when agents are entrusted with premium money for securing policies but dishonestly misappropriate these funds, pocket commissions while knowing coverage is worthless, or fail to forward payments to insurers. This carries up to 7 years imprisonment and works alongside cheating charges for comprehensive prosecution.
• Section 318: Cheating is our primary weapon. When agents deliberately misrepresent policy coverage to secure premium payments, they commit cheating by fraudulently inducing victims to part with money they would never have paid if informed about actual policy limitations. 
• Section 319: Cheating by personation becomes relevant when agents misrepresent their credentials, pose as authorised representatives of reputable insurers without proper licensing, or use fake company affiliations to gain the victim’s trust. Punishment extends to 3 years imprisonment plus fines.
• Section 336: Forgery carries up to 7 years imprisonment and applies when agents create fake policy documents, alter coverage terms after sale, forge company letterheads, or fabricate authorisation certificates to facilitate fraud.
• Section 339: Using forged documents punishes agents who knowingly present falsified policy documents, use fake digital records during sales presentations, or submit forged company authorisations to victims, carrying identical 7-year imprisonment terms.
• Section 61: Organised crime becomes applicable when fraud involves multiple agents, fake insurance companies, or systematic schemes affecting numerous victims across jurisdictions. This provision carries 7 years to life imprisonment depending on the scale and demonstrates why individual complaints often uncover larger criminal enterprises.

Under the Information Technology Act 2000:

• Section 66D: Cheating by personation using computer resources perfectly captures modern insurance fraud involving fake websites, fraudulent email communications, and the digital impersonation of legitimate insurance companies. With punishment up to 3 years and fines up to one lakh rupees, this provision addresses the digital dimension of contemporary agent fraud.

Why criminal complaints work: Insurance companies take agent fraud seriously when police are involved. Civil cases can drag on for years, but criminal complaints create immediate pressure for resolution and often lead to faster settlements.

The AI-powered complaint framework

Before we dive deeper into our case study, let me clarify something important about AI tool selection. For this case, we primarily used Claude AI, though this framework works equally well with ChatGPT, Bard, or other platforms. Claude became our preferred choice because it maintains the formal tone police expect, understands Indian criminal law well, and organises complex situations into clear chronological narratives without fabricating legal citations. However, the prompts and responses I am sharing are carefully crafted examples based on patterns from numerous fraud cases; your actual results may vary depending on which AI platform you choose, how you phrase your prompts, and your case’s unique complexity. Think of these as your blueprint, not a guaranteed script.

Step 1: Set the legal context

Goal: Establish the criminal nature of your complaint and identify applicable BNS provisions.

What to ask AI:

“I want to draft a police complaint against an insurance agent who fraudulently misrepresented my home insurance policy coverage. The agent made specific false promises that led to financial loss when my claim was wrongfully rejected. I need this complaint addressed to the local police station and want to cite relevant sections of the BNS, particularly provisions relating to cheating, fraud, and document forgery.”

AI Response:

I can help you draft a comprehensive police complaint under the BNS. Based on insurance agent fraud, the following sections may apply:

• Section 316 – Criminal breach of trust 
• Section 318 – Cheating by deception
• Section 336 – Forgery of documents
• Section 337 – Using forged documents as genuine
• Section 61 – Criminal conspiracy (if multiple agents/company officials are involved)

To create an effective complaint, I will need specific details about the misrepresentation, your financial losses, and the chronological sequence of events that led to the fraud.

Step 2: Fact-gathering questionnaire

Goal: Get a comprehensive checklist of information needed for a chronologically structured criminal complaint.

What to ask AI:

“What specific details and facts do you need to draft a strong police complaint against this insurance agent? Please provide a detailed questionnaire that focuses on chronological events and ensures the complaint will be legally sound and actionable.”

AI Response:

To draft your police complaint, I need the following information organised chronologically:

PERSONAL AND CONTACT DETAILS:

1. Your full name, age, occupation, and complete address
2. Contact details (mobile, email)
3. How to reach you for investigation purposes

AGENT AND COMPANY IDENTIFICATION: 

4. Agent’s full name and designation 

5. Insurance company name and branch address 

6. Agent’s license number (if available) 

7. How did you first contact/meet the agent

CHRONOLOGICAL SEQUENCE OF EVENTS: 

8. Date of first contact with the agent 

9. When and where did the sales meeting occur 

10. Specific date of policy purchase and premium payment 

11. Date when the insured incident occurred 

12. When you submitted the claim to the company 

13. Date of claim rejection and the reason provided 

14. Timeline of your attempts to contact the agent post-rejection

SPECIFIC FRAUDULENT PROMISES: 

15. Exact words used by the agent about coverage (verbal/written) 

16. What the agent specifically promised would be covered 

17. Marketing materials or documents that the agent showed you 

18. Any written confirmations of coverage promises

FINANCIAL IMPACT: 

19. Premium amount paid and payment method 

20. Total loss/damage amount from the incident 

21. The amount the insurance company should have paid 

22. Additional expenses incurred due to non-payment

CURRENT STATUS: 

23. Agent’s current responsiveness to your communications 

24. Any attempts by the agent to resolve the issue 

25. Whether you have approached other authorities 

26. Urgency factors requiring immediate police action

Step 3: Provide facts in chronological order

Goal: Supply all relevant information in a proper timeline sequence for AI to work with.

Sample response:

“Here are my complete details in chronological order:

PERSONAL INFORMATION:

Rajesh Kumar Sharma, 42 years, Software Engineer

B-304, Green Park Apartments, Sector 18, Noida, UP – 201301

Mobile: +91-9876543210, Email: [email protected]

AGENT AND COMPANY:

Agent: Mr. Vikash Aggarwal, Senior Sales Executive

Company: ABC Home Insurance Ltd., Connaught Place Branch, New Delhi

First contact: January 15, 2024 – The agent visited the apartment complex

CHRONOLOGICAL SEQUENCE:

January 15, 2024: The agent visited our society, introduced himself, and set up a meeting

January 20, 2024: Detailed sales presentation in my home, the agent made specific promises

January 25, 2024: Policy purchased and premium Rs. 18,500 paid via credit card

March 15, 2024: The kitchen ceiling collapsed due to a neighbour’s pipe burst

March 18, 2024: Claim filed with the insurance company (Claim No: ABC/2024/5678)

April 20, 2024: Claim rejected citing water damage exclusions

April 21, 2024: First attempt to contact agent – phone went unanswered

April 22-30, 2024: Multiple calls and WhatsApp messages to the agent – no response

May 1, 2024: Visited the insurance company office, told to resolve with the agent

May 5, 2024: Agent’s phone number became non-functional

SPECIFIC PROMISES MADE:

The agent said: ‘This policy gives complete protection for water damage, including pipe bursts, ceiling leaks, and appliance damage’

The agent assured: ‘Any water damage in your home will be covered without question’

The agent claimed: ‘I personally handle all claims for my clients, you will never face rejection’

FINANCIAL IMPACT:

Premium paid: Rs. 18,500

Actual damage: Rs. 2,80,000 (ceiling, appliances, electrical, flooring)

Additional costs: Rs. 15,000 (temporary accommodation during repairs)

Total loss: Rs. 2,98,500

CURRENT STATUS:

The agent is completely unreachable since the claim rejection

No response to any communication attempts

Society security confirms the agent has not returned since the policy sale

The company claims they cannot locate an agent for resolution”

Step 4: Generate the criminal complaint

Goal: Get a chronologically structured police complaint with proper BNS citations.

What to ask AI:

“Based on all the chronological facts I’ve provided, draft a formal police complaint under the BNS. Address it to the Station House Officer of Sector 20 Police Station, Noida. Structure the facts chronologically, include specific BNS sections, and make a clear request for FIR registration and investigation. Focus on the timeline of events and the agent’s systematic fraud.”

AI Response:

To,

The Station House Officer,

Police Station Sector 20,

Noida, Uttar Pradesh

Subject: Criminal Complaint under Bharatiya Nyaya Sanhita, 2023 against Insurance Agent for Cheating and Fraud

Respected Sir,

I, Rajesh Kumar Sharma, aged 42 years, Software Engineer, resident of B-304, Green Park Apartments, Sector 18, Noida, UP – 201301, hereby file this criminal complaint against Mr. Vikash Aggarwal, Senior Sales Executive, ABC Home Insurance Ltd., for committing systematic fraud under the Bharatiya Nyaya Sanhita, 2023.

CHRONOLOGICAL FACTS OF THE FRAUD:

JANUARY 15, 2024 – INITIAL CONTACT:

The accused, Mr. Vikash Aggarwal, visited our apartment complex representing ABC Home Insurance Ltd. He identified potential customers and scheduled individual meetings to sell home insurance policies.

JANUARY 20, 2024 – THE FRAUDULENT SALES PRESENTATION:

The accused conducted a detailed presentation at my home where he deliberately made false representations about policy coverage. He specifically stated that the ‘Home Shield Plus’ policy would provide “complete protection for water damage, including pipe bursts, ceiling leaks, and appliance damage due to water.” He assured me that “any water damage in your home will be covered without question” and that he would “personally handle all claims to ensure no rejections.”

JANUARY 25, 2024 – FRAUDULENT CONTRACT COMPLETION:

Based entirely on the accused’s false promises about water damage coverage, I purchased policy HSP/2024/12345, paying ₹18,500 as annual premium via credit card. The accused collected his commission knowing that the coverage he promised did not exist under the policy terms.

MARCH 15, 2024 – THE COVERED INCIDENT OCCURS:

My kitchen ceiling collapsed due to a pipe burst from the neighbour’s overhead flat, causing extensive damage worth ₹2,80,000, including ceiling reconstruction, kitchen appliances replacement, electrical work, and flooring repair – exactly the type of water damage the accused had promised would be covered.

MARCH 18, 2024 – CLAIM SUBMISSION:

I filed a comprehensive claim (No: ABC/2024/5678) with ABC Home Insurance Ltd., providing all required documentation and expecting a settlement based on the accused’s coverage assurances.

APRIL 20, 2024 – FRAUDULENT SCHEME EXPOSED:

The insurance company rejected my claim, citing “water damage from external sources not covered under policy terms.” This rejection revealed that the accused had deliberately concealed critical policy exclusions and made promises about coverage that never existed.

APRIL 21, 2024 ONWARDS – ACCUSED’S FLIGHT AND EVASION:

When I attempted to contact the accused about the claim rejection, his phone went unanswered. Despite multiple calls, WhatsApp messages, and attempts to reach him through April 22-30, 2024, he provided no response. On May 5, 2024, his phone number became completely non-functional. Society security confirms he has not returned to our complex since the policy sale, indicating deliberate evasion.

CRIMINAL OFFENCES COMMITTED:

The accused’s conduct constitutes the following crimes under BNS 2023:

SECTION 316 (CHEATING): The accused intentionally deceived me by making false representations about policy coverage, knowing these promises were untrue, and induced me to pay ₹18,500 premium money that I would never have paid if informed about actual policy limitations.

SECTION 319 (CRIMINAL BREACH OF TRUST): The accused specifically committed fraud during contract formation by deliberately concealing material policy exclusions while making false promises about comprehensive water damage coverage to secure the sale and commission.

SECTION 61 (CRIMINAL CONSPIRACY): The accused may have conspired with others in the insurance company to systematically defraud customers through misrepresentation of policy terms.

FINANCIAL LOSS AND IMPACT:

Due to the accused’s systematic fraud, I have suffered a total financial loss of ₹2,98,500 comprising:

– ₹18,500 premium paid for worthless coverage

– ₹2,80,000 in damages that should have been covered under promised protection

– ₹15,000 additional costs for temporary accommodation during repairs

IMMEDIATE INVESTIGATION REQUIRED:

The accused’s complete disappearance after claim rejection indicates consciousness of guilt and suggests this may be a pattern of systematic fraud affecting multiple victims. Immediate police action is essential to:

1. Prevent the accused from fleeing jurisdiction permanently

2. Investigate whether other homeowners have been similarly defrauded

3. Recover fraudulently obtained money before assets are dissipated

4. Gather evidence before records are destroyed

PRAYER FOR JUSTICE:

I respectfully request that you kindly:

1. Register an FIR against the accused under the appropriate sections of BNS 2023

2. Conduct an immediate investigation into this systematic insurance fraud

3. Issue a lookout notice to prevent the accused from fleeing

4. Investigate patterns of similar fraud affecting other victims in the area

5. Take necessary action to recover the fraudulently obtained money

This case represents a serious economic crime that undermines public trust in the insurance sector and causes devastating financial harm to innocent homeowners who rely on agent representations for protection.

Yours faithfully,

Rajesh Kumar Sharma

Mobile: +91-9876543210

Email: [email protected]

Date: [Current Date]

Enclosures:

1. Copy of home insurance policy HSP/2024/12345

2. Premium payment receipt via credit card

3. Claim rejection letter from ABC Home Insurance Ltd.

4. Agent’s business card and initial contact details

5. Screenshots of unanswered calls and messages

6. Damage assessment reports and repair estimates

Step 5: Strengthen chronological flow

Goal: Enhance the timeline aspect and urgency for immediate action.

Refinement options:

For stronger chronological emphasis:

“Reorganise the complaint to emphasise the systematic timeline of the fraud, showing how the agent’s promises, policy sale, incident, and disappearance form a clear pattern of premeditated criminal activity.”

For enhanced urgency:

“Add more details about the time-sensitive nature of this investigation, emphasising how delay allows the accused to destroy evidence and potentially defraud other victims.”

Step 6: Manual edits and final review 

So you see, the facts have been well-structured and articulated. What now needs attention is the law and prayer section. So let us proceed now. 

Before we move to make edits, one needs to bear in mind that we cannot instruct the police on what they must do; we only need to briefly state what we are seeking, like requesting an investigation or appropriate action.

Following the refinement prompts mentioned above, here is the updated version where we will now proceed with making edits.

To,

The Station House Officer,

Police Station Sector 20,

Noida, Uttar Pradesh

Subject: Complaint under Bharatiya Nyaya Sanhita, 2023 against Mr. Vikash Aggarwal, insurance agent, for offences committed under sections 316 and 318 of the Bharatiya Nyaya Sanhita 2023 for committing fraud and criminal breach of trust and cheating

Sir/Madam,

1. I, Rajesh Kumar Sharma, aged 42 years, Software Engineer, resident of B-304, Green Park Apartments, Sector 18, Noida, UP – 201301, hereby file this criminal complaint against Mr Vikash Aggarwal, Senior Sales Executive, ABC Home Insurance Ltd., for executing a systematic and premeditated fraud scheme under the relevant provisions under BNS.
2. This complaint details a carefully orchestrated criminal conspiracy that unfolded over several months, beginning with the accused’s calculated survey reconnaissance of our apartment complex on January 15, 2024. The accused arrived at Green Park Apartments representing ABC Home Insurance Ltd., conducting what appeared to be routine marketing but was actually a part of the modus operandi. first phase of a systematic fraud operation. He meticulously surveyed the complex, identified potential high-value targets among residents, and specifically noted homeowners who might be vulnerable to fears about water damage due to our building’s ageing plumbing infrastructure.
3. Having completed his survey reconnaissance, the accused scheduled individual meetings with selected residents, including me. On January 20, 2024, he conducted an elaborate presentation in my home that would later prove to be the centrepiece of his fraudulent scheme. During this meeting, the accused demonstrated sophisticated knowledge of common homeowner concerns and specifically tailored his false promises to address my expressed worries about potential water damage. He stated with complete confidence that the ‘Home Shield Plus’ policy would provide “complete protection for water damage, including pipe bursts, ceiling leaks, and appliance damage due to water.” Most critically, he assured me that “any water damage in your home will be covered without question” and that he would “personally handle all claims to ensure no rejections.” These statements were not casual sales talk but calculated lies designed to induce me to purchase a policy that the accused knew would not provide the promised coverage.
4. The fraudulent scheme reached its culmination on January 25, 2024, when the accused completed the policy sale. Based entirely on his false assurances about comprehensive water damage protection, I purchased policy HSP/2024/12345 and paid Rs. 18,500 as an annual premium via credit card. The accused collected his commission knowing with absolute certainty that the coverage he had promised simply did not exist under the actual policy terms. This moment represents the completion of the criminal act of cheating under Section 318 316 of BNS 2023, as the accused had successfully deceived me into parting with money through deliberate false representations.
5. The accused’s criminal calculation proved devastatingly accurate when, on March 15, 2024, exactly the type of incident he had promised to protect against occurred in my home. My kitchen ceiling collapsed due to a pipe burst from the neighbour’s overhead flat, causing extensive damage worth Rs. 2,80,000, including ceiling reconstruction, kitchen appliances replacement, electrical work, and flooring repair. This was precisely the scenario the accused had used to sell the policy, claiming such incidents would be “covered without questions.” The timing and nature of this incident would have provided the accused with the perfect opportunity to demonstrate his promised “personal handling” of claims, but his true criminal nature was about to be revealed.
6. I filed a comprehensive claim on March 18, 2024 (Claim No: ABC/2024/5678), providing all required documentation and confidently expecting a settlement based on the accused’s explicit coverage assurances. However, the insurance company’s response on April 20, 2024, exposed the full extent of the accused’s fraudulent scheme. The claim was rejected citing “water damage from external sources not covered under policy terms,” revealing that every promise the accused had made about coverage was a deliberate lie designed to secure the sale and commission.
7. The most damning evidence of the accused’s premeditated criminal intent emerged in his response to the claim rejection. When I attempted to contact him on April 21, 2024, expecting him to fulfil his promise of “personal handling” of claims, his phone went unanswered. This was not coincidental or accidental but part of his systematic criminal plan. Throughout the period from April 22-30, 2024, I made multiple attempts to reach the accused through calls, WhatsApp messages, and emails, but he did not respond whatsoever. By May 5, 2024, his phone number had become completely non-functional, and our society security confirmed that he had not returned to our complex since completing the policy sale. This calculated disappearance represents consciousness of guilt and demonstrates that the accused had planned his exit strategy from the moment he made the fraudulent sale.
8. The systematic nature of this criminal enterprise becomes even more apparent when examining the accused’s methodical approach to each phase of the fraud. The initial reconnaissance allowed him to identify vulnerable targets and tailor his lies accordingly. The detailed sales presentation created false confidence through specific promises he knew were untrue. The immediate collection of premiums and commissions completed the theft. Most tellingly, his complete disappearance after the claim rejection reveals that he had always planned to abandon his victims once his fraud was discovered. This pattern demonstrates premeditated criminal activity under sections 316 and 318 317 of BNS 2023, as the accused committed fraud specifically at the time of contract formation with clear criminal intent.
9. The time-sensitive nature of this investigation cannot be overstated, as every day of delay allows the accused to further cover his tracks and potentially victimize additional innocent homeowners. The accused’s systematic approach and complete disappearance suggest this is not an isolated incident but part of a broader criminal operation that may have affected numerous other residents in our area and beyond. His detailed knowledge of homeowner vulnerabilities and polished presentation skills indicate extensive experience in this type of fraud, meaning other families may currently be paying premiums for worthless coverage, unaware that they too will face claim rejections when they need protection most.
10. Furthermore, the accused’s calculated disappearance indicates he may be actively destroying evidence, transferring assets, or preparing to flee jurisdiction entirely. His phone number becoming non-functional and his complete avoidance of our apartment complex suggest systematic evidence destruction and potential preparation for permanent flight. Each day of delay in investigation increases the risk that crucial evidence will be lost, witnesses will be harder to locate, and the accused will successfully evade justice while continuing to perpetrate similar frauds elsewhere.
11. The financial impact of this systematic fraud extends far beyond the immediate monetary loss, affecting my family’s financial security and trust in insurance protection during genuine emergencies. Due to the accused’s carefully planned criminal scheme, I have suffered a total financial loss of Rs. 2,98,500, comprising Rs. 18,500 in premium paid for deliberately worthless coverage, Rs. 2,80,000 in damages that should have been covered under the fraudulent promises, and Rs. 15,000 in additional costs for temporary accommodation during repairs. This financial devastation was the direct and foreseeable result of the accused’s systematic criminal activity.
12. The accused’s conduct constitutes multiple serious crimes under the BNS. Section 318 6 regarding cheating is clearly established through his intentional deception using false representations about policy coverage, knowing these promises were untrue, and successfully inducing me to part with Rs. 18,500 that I would never have paid if informed about actual policy limitations. Section 316 7 regarding criminal breach of trust cheating at the time of contract is demonstrated through his specific fraud during contract formation, collecting premium, deliberately concealing material policy exclusions while making false promises about comprehensive coverage to secure the sale and commission. Additionally, section 61 regarding criminal conspiracy may apply if the accused coordinated with others in the insurance company to systematically defraud customers through misrepresentation of policy terms.
13. I am willing to fully cooperate with the investigating authorities by providing them with all the relevant information connected to the case. I hereby request you to take immediate action against the perpetrators and thoroughly investigate the said case. 
14. I respectfully request that you immediately register an FIR against the accused under appropriate sections of BNS 2023 and launch an urgent investigation into this systematic insurance fraud. The time-sensitive nature of this case requires immediate action to prevent the accused from completing his escape, destroying remaining evidence, and continuing to defraud other innocent families who are currently at risk. I further request that you issue a lookout notice to prevent the accused from fleeing jurisdiction and investigate whether this represents a pattern of similar fraud affecting other victims in our area who may be unaware that their own policies are worthless due to the accused’s systematic deception.
15. This case represents a serious economic crime that undermines public trust in the insurance sector and causes devastating financial harm to innocent homeowners who rely on agent representations for protection during emergencies. The accused’s systematic approach and calculated disappearance demand immediate criminal investigation to prevent further victimization and ensure justice for those already harmed by his elaborate fraudulent scheme.

Yours faithfully,

Rajesh Kumar Sharma

Mobile: +91-9876543210

Email: [email protected]

Date: [Current Date]

Enclosures:

1. Copy of home insurance policy HSP/2024/12345

2. Premium payment receipt via credit card

3. Claim rejection letter from ABC Home Insurance Ltd.

4. Agent’s business card and initial contact details

5. Screenshots of unanswered calls and messages

6. Damage assessment reports and repair estimates

So you see how I have made a few changes to the police complaint, mostly just updated the legal sections and added a couple of short paragraphs. The facts are intact. I have also made it more concise since the police do not usually have time to go through a lengthy complaint. 

Final thoughts 

Insurance agent fraud thrives on victims’ belief that complex legal procedures are beyond their reach. This AI-powered framework changes that dynamic by transforming your chronological experience into a professionally structured criminal complaint that compels immediate police action.

The key to success lies in organising your facts chronologically rather than emotionally. AI helps you present events in a logical sequence, cite appropriate criminal law provisions, and create urgency for investigation, all without requiring legal expertise.

Remember: The timeline of fraud tells the story better than any legal argument. When police can see the clear progression from false promises to payment to claim rejection to agent disappearance, the criminal nature becomes undeniable.

Your chronologically structured complaint becomes a roadmap for justice, guiding investigators through each step of the fraud and making successful prosecution inevitable.

Frequently asked questions

1. Can I really file a criminal complaint against an insurance agent, or is this just a civil matter? 

Insurance agent fraud involving deliberate misrepresentation to obtain premiums constitutes criminal cheating under section 316 of BNS. The chronological sequence of false promises followed by payment and agent disappearance clearly establishes criminal intent, making this a police matter.

2. What if the police say this is a “business dispute” and refuse to register my FIR? 

A chronologically structured complaint citing specific BNS provisions and showing a clear fraud timeline makes it difficult for police to dismiss your case as a civil dispute. The sequence of events demonstrates criminal deception, not business disagreement. 

Additionally, if the police refuse to register your FIR, you can file a private complaint before a Magistrate under section 175 of the Bharatiya Nagarik Suraksha Sanhita (BNSS). This allows you to bypass police inaction and present your case directly to the court, which can either direct the police to act or take cognisance itself. Many insurance fraud cases wrongly dismissed as “civil disputes” by police have successfully progressed through this route.

3. How important is getting the exact dates right in my complaint? 

Very important. Accurate chronology establishes the deliberate nature of the fraud and helps police verify your claims. Approximate dates are acceptable if you clearly indicate uncertainty, but precise timelines strengthen your case significantly.

4. Will filing a criminal complaint help me get my money back faster than civil action? 

Yes, typically. Criminal complaints create immediate pressure on insurance companies to resolve cases quickly rather than face prolonged criminal proceedings and negative publicity. Many companies prefer settlement over criminal prosecution.

5. What happens if I cannot locate the agent, or the agent has moved to another city? 

Criminal cases follow the accused regardless of location. Police can coordinate with other jurisdictions, issue lookout notices, and pursue the case even if the agent relocates, making criminal complaints more effective than civil suits for mobile fraudsters.