what can i lie about on an sr22 insurance form?
Wednesday, November 18th, 2009 at
4:59 am
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plebian m asked:
i dont have insurance on my car right now, it isnt even re-registered yet. im shopping for sr22 insurance right now and there are many questions asked when trying to get a quote. some i can obviously lie about, like how many miles do i expect to drive my car in a month, how often i drive to work etc. and some not so obvious. what information can they get besides how many tickets i have had in the last x number of years?
Troy
i dont have insurance on my car right now, it isnt even re-registered yet. im shopping for sr22 insurance right now and there are many questions asked when trying to get a quote. some i can obviously lie about, like how many miles do i expect to drive my car in a month, how often i drive to work etc. and some not so obvious. what information can they get besides how many tickets i have had in the last x number of years?
Troy
Tagged with: Insurance • Quote • Sr22 Insurance Form
Filed under: 1366
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Marjorie
Why not do research on insurance FRAUD, instead?
Janice
Insurance companies have the ability to check:
1. Your Motor Vehicle Report (MVR) which shows any tickets, license suspensions, DUIs, or any infraction that would be registered with the state.
2. Your claims history report called a CLUE report. A CLUE report will show any time within the last 5 – 7 years that you made a claim on your insurance.
3. The registered owner of any vehicle on your policy. (This is usually checked when you file a claim.)
Be honest on your application though. If an insurance company can prove that you made a material misrepresentation on your application, they can void coverage. Some insurance companies will look for anything they can to deny a claim.
EXAMPLE: I had a client come to me from another agent. This client filed a claim on his insurance because his friend from college, who was living with him at the time, drove his car and got in an accident. My client answered there were no other household drivers on his application when in fact his buddy was a household driver. The insurance company looked at his application and got my client to withdraw the claim. We eventually got the insurance company to cover the claim, but it was a headache none the less.
Bottom line, be as honest as you can. I don’t recommend putting yourself in a position for an insurance company to have grounds for denying your claim because they suspect you lied on an application. It’s not worth it.
Eddie
How much you weigh.
Anything that REALLY affects your rate, they’ll double check.
Michele
Lying is not a good idea. If the insurance company finds out they can deny a claim.
Why lie anyways. The insurance company will run your DMV record and find out the truth anyways.
Marion
If you are just trying to get a quote for SR 22 insurance. The factors that would affect your premium would be. Year of birth, zip code, years license, your make and model of vehicle, tickets or accidents in the last three years suspensions in the last five years. You can obviously get a fake name fake phone number fake address (besides the ZIP code) -you should be able to get a pretty accurate price, if you don’t want people bugging and e-mailing all day, this may be the way to go
Michele
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