The analysis was conducted by a 50-member committee established in February 1992. It noted that false and inflated insurance claims raise the price of premiums that citizens and businesses must pay for automobile, health, property, liability, and casualty insurance. Similarly, fraud in State programs such as Medicaid and Workers' Compensation increases the need for more tax revenue. Recommended actions include law reform that provides for both civil and criminal remedies, required antifraud training for employees of insurance companies doing business in Maryland, a comprehensive public education campaign, visual inspection of property prior to issuing an insurance policy, and further research. Figures, tables, footnotes, and attached background information