ACORD 63: General Fraud Statement Explained

ACORD 63 is the General Fraud Statement used with insurance paperwork when a separate fraud warning is needed. It identifies the applicant, policy, insurer, and signature, then presents the applicable warning. It does not prove that fraud occurred, create coverage, or replace the application or claim document it accompanies.

What is ACORD 63 used for?

ACORD 63 gives an applicant or insured a separate insurance fraud warning. Vertafore identifies the 2016/10 edition as the General Fraud Statement in its ACORD update list.^[1] Agencies may attach it to an application section or other insurance document when the required notice is not already included. The surrounding document still determines what information the person is confirming.

Why does the state matter?

Fraud warnings are shaped by state law, and their consequences and required language are not uniform. The form edition and state context therefore matter as much as the form number. Do not pull ACORD 63 from an old account and assume it fits a new transaction. Ask the agency or insurer which current version belongs with the application or statement being signed.

What should you check before signing?

Read the connected application or statement, not only the warning page. Confirm the named insured, insurer, policy number, dates, and every answer supplied elsewhere. Correct estimates that have changed and explain answers that need context. Never sign a blank form. Keep the completed copy with the rest of the submission because the signature may be reviewed alongside the information it supports.

Does ACORD 63 bind insurance?

No. ACORD states that it is not an insurance company and does not provide coverage.^[2] ACORD 63 is a notice and signature record. Evidence that coverage exists comes from an authorized insurer or representative through a binder, declarations, policy, and endorsements. The form also is not a finding that someone committed fraud.

Where can you get the official form?

Eligible users can obtain current forms through ACORD's Forms Portal.^[3] Use the copy provided through an authorized agency, insurer, or licensed software system. This page explains the form without reproducing its protected wording or layout.

The Bottom Line

ACORD 63 records a general insurance fraud warning and a signature. Check the applicable state and current edition, review the document it accompanies, and correct errors before signing. Look to the insurer's binder and policy for coverage.

This guide is educational and describes ACORD 63 in original language. Form numbers and titles are cited only for identification, and Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's documents control.