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Unfortunately, the FL law or statutes contain no duty on an insurance company to report a criminal offense. The FL courts hold that although the common law recognized the crime of misprision of a felony for failing to report a felony to authorities, the substantive law of Florida does not recognize such a crime. Holland v. State, 302 So.2d 806 (Fla. 2d DCA 1974)
. The court held that the legal principle in FL is that a person generally has no duty to report a crime or to respond to police inquiries. See: Id.
While you believe correctly, that morally the insurance company should have reported the fraud, they were not under legal duty to report the crime and if you were the victim of any crime it was up to you, according to FL law, to report the crime if you chose to do so, but the FL statutes (none of them) impose any legal duty forcing an insurance company to report the offense.
If the insurance company withheld the evidence in a trial and you were a party to that case, it was up to you to introduce that evidence of fraud by the complex or to sue the complex for the fraud or file a criminal complaint
against the complex for the fraud according to the FL case law and court rulings above I am afraid.
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