An applicant in Charlotte knowingly submits a fabricated burglary claim to collect insurance benefits. Under North Carolina law, insurance fraud of this kind is prosecuted under:

Why B is correct

Under North Carolina law, obtaining property by false pretenses, including insurance benefits obtained through a fabricated claim, is prosecuted under the general false pretenses statute, G.S. 14-100. The felony classification depends on the amount involved, so the statute reaches insurance fraud without a separate insurance-specific fraud provision.

Why the other options are wrong

• A is wrong because the Unfair Trade Practices Act is a civil regulatory framework enforced by the Commissioner; it does not criminally prosecute an applicant's fabricated claim.
• C is wrong because G.S. 58-2-180 covers willful false statements under oath or subscription in required financial statements, not fraudulent claims submitted to collect benefits.
• D is wrong because G.S. 58-33-105 addresses false or fraudulent statements made in applications for insurance, which is a different trigger than presenting a fake claim.

Memory hook

Fake claim, real crime - North Carolina insurance fraud goes through G.S. 14-100.