Car Insurance Fraud – Please advice?
Monday, June 29th, 2009 at
2:05 am
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Curious asked:
I am trying to get a new car insurance with progressive. They asked me if I had any citations recently (last 3 yrs) and I said no which is not true becuase I just got a citation. My citation was for going 10 miles over the limit. They did ask me for all of my info such as ssn and driver lic #. I am assuming they checked out my records. They gave me a very low quote considering my driving history.
I am trying to get a new car insurance with progressive. They asked me if I had any citations recently (last 3 yrs) and I said no which is not true becuase I just got a citation. My citation was for going 10 miles over the limit. They did ask me for all of my info such as ssn and driver lic #. I am assuming they checked out my records. They gave me a very low quote considering my driving history.
Is it car insurance fraud if I didn’t tell them about my citations?
Could I be dropped?
Please advice.
Paul
Tagged with: Citation • Insurance • Ssn
Filed under: Insurance & Registration
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Sue
The ticket might not have shown up on your record yet; they are entered by state-employed clerks who probably have a lot of them to type in and are likely backlogged. (A friend of mine does this sort of work, and tells met that’s it pretty tedious, detailed stuff.) Progressive might check your record later and find it; I don’t think 10 over is going to hurt you, but I don’t know Progressive’s stance on this. If you have other tickets, they will show up and could raise your premium when Progressive sees them.
Tanya
Yes, you could absolutely be dropped.
Consider this scenario:
You get the insurance, based on this false info. You get in an accident. Progressive finds out about the past ticket. Progressive could then:
1. Cancel your policy from the original inception date, leaving you to pay for the accident.
2. Keep your coverage, but make you pay any changes in premium that you should have been paying all along (also back to original inception date).
3. Report you to the fraud division.
My advice…call them and add the ticket to your application.
Leslie
It is not fraud, it’s misrepresentation and yes, they can cancel the policy and/or deny any claims if they find out.
Insurance companies go off of conviction dates, not when you got the citation so if you have not been to court yet or paid your fine, the case is still open and will not show up until the next renewal. Also, if the citation was not a moving violation (ex: parking ticket) than it will not count against you for insurance purposes.
Carolyn
It is a Common situation many people have met,calm down,and check the resource i found pretty useful
Tina
It is fraud as you are obtaining something with fraudulent details that otherwise you would not get.