You may believe only insurance companies should be worried about insurance fraud. But it’s a crime that costs you money, too.

According to the Federal Bureau of Investigation’s Web site, the total cost of insurance fraud (non-health insurance) is estimated to be more than $40 billion per year. That means insurance fraud costs the average U.S. family between $400 and $700 per year in the form of increased premiums.

If you suspect someone is committing insurance fraud, you may report it online by going to www.helpstopfraud.org to find a fraud unit in Pennsylvania or by visiting www.mdinsurance.state.md in Maryland and filling out the online form.