Insurance scams are on the rise. Fraudsters have grown more sophisticated, and they know that people trust their insurance providers with sensitive personal and financial information. Increasingly, scammers are pretending to be representatives of well-known, trusted companies — including insurance carriers like North Carolina Farm Bureau — in order to steal money, personal data, or both.

At North Carolina Farm Bureau Insurance Group, protecting our clients is not just a priority — it is a core part of who we are. We want you to be informed, confident, and safe. This article will walk you through the most common scam tactics being used today, the red flags to watch for, and exactly what to do if you believe you've been targeted.

Most insurance-related scams follow a recognizable playbook, even if the details vary. A scammer will contact you — by phone, email, text message, or even in person — claiming to represent a legitimate company. They may use official-sounding language, spoof a real phone number so your caller ID looks genuine, or even reference real details about you or your policy to appear credible.

Their goal is to create urgency. They want you to act quickly before you have time to think, verify, or call someone you trust. Common scenarios include:

Scammers rely on confusion and pressure. The more you know about the warning signs, the harder it is for them to succeed. Be on high alert any time you encounter the following:

If you receive a suspicious call, email, or visit from someone claiming to represent North Carolina Farm Bureau or any other insurance company, take a breath and follow these steps:

Fraud and scams are evolving every year, but so is our commitment to keeping our clients informed and protected. The single most powerful thing you can do when something feels wrong is slow down and verify. A legitimate representative of North Carolina Farm Bureau Insurance Group will always give you the time and space to do that.

If you ever have questions about the authenticity of a communication, a suspicious offer, or anything related to your coverage, do not hesitate to reach out to your local Farm Bureau agent. We would rather take ten minutes to reassure you than have you become the victim of a scam that could have been avoided.