Are You Lying on Your Car Insurance Application

16 Feb

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Lying on your car insurance application could lead to critical consequences. Your policy could get cancelled or your reported claim could be denied, or worse, you may be denied vehicle insurance coverage in the future. If you are discovered guilty below the Insurance Act, there’s a possibility you could be fined up to $one hundred, 000 for the first offence. Clearly, being honest on your auto insurance application can save you valuable time and income.

If you happen to be even so much as Pondering about fudging these particulars on your application, believe again:

Miles driven

Some folks may possibly unintentionally make a error about the quantity of miles they place on their auto, although other people might intentionally lie about the quantity of miles they drive in order to get a low-mileage discount. In either case, underestimating the number of miles you drive on your car insurance application is not a excellent thought. Try to be a tiny vigilant about the miles you put in on your car. If you have lately switched jobs and your commute has gotten longer, make it a point to call your insurance agent and let him know as quickly as attainable.

Not listing all the licensed drivers in the household on the policy

Parents to teenage drivers often ‘forget’ to add their licensed teenaged kids to their policy. Teenagers are inexperienced and are deemed as high-danger drivers by insurance agencies. Therefore, if they wish to purchase person policies, they are charged significantly higher premium prices.Adding them to your policy is a comparatively less costly solution. As an alternative of not adding them to your policy, consider other approaches of lowering costs. Insurance firms supply discounts to young drivers as nicely. Discounts such as excellent student discount, defensive driver discount and discount for setting up security devices to your auto are a handful of to look into.

Lying about where your car is parked

This is a common issue in big cities. Folks never have space to park their cars and are forced to lie about it on their application types. Parking in a garage may well price you a little much more than parking on the street, but it is eventually the safer (away from the city’s wear and tear and bad weather) and a much more practical alternative.

What your vehicle is utilised for

Some people use their automobile for daily transportation, but there are other people who use their car for business. Such folks may possibly be provided a discount by some insurance firms. It is in your very best interest to be quite clear about what you’re utilizing the vehicle for when filling in your application.

You may not comprehend it appropriate away but supplying inaccurate data to your insurance provider deliberately to decrease your premiums is Never ever a very good notion. What you do to get temporary discounts may really cost you a huge buck. Be cautious, be wise.

26 Responses to “Are You Lying on Your Car Insurance Application”

  1. Giselle January 20, 2013 at 7:59 am #

    I purchased a vehicle from the car dealership, it had a guarantee, it had not been offered as-is. They didn’t disclose the cars history despite we requested it. They lied to all of us. I discovered the vehicle was stated totaled by an insurance provider and released to some salvage lot. The title they provided is eco-friendly. around the application for title and regristration they did not mark “salvage” I’m not getting any luck getting a lawyer which will undertake this situation. Can the secretary of condition help by any means?

  2. Phil January 20, 2013 at 8:00 am #

    Can one stop smoking 1 week before my insurance provider health check and my test results be negative?

    If that’s the case, what goes on basically die from cancer of the lung two decades later? Will the insurance provider protest or repay?

  3. Torri January 24, 2013 at 7:43 pm #

    i would like a vehicle, but am unsure basically are able to afford the insurance coverage. what’s the best offer on vehicle insurance for how old irrrve become?

  4. Avelina February 21, 2013 at 11:35 am #

    Okay, so my friend got into a car accident and the car is totaled. He has infinity insurance but they do not want to cover the loss because he has two kids older then 15 yrs old that he should have included them in the policy, even though he did let the person that he had kids without license that lived with him. They cancelled his insurance once tey found out about the accident, they sent him a check of the months he paid after the accident and a letter of cancellation. Anyhow he is about to sue them. He has GAP insurance so will they step up? Or pay anything at all?

  5. Heath March 27, 2013 at 12:30 pm #

    I’m financing a car and I used my home address,but I want to insure it at my cousin address because I could save $130 a month. Can a dealer register the car this way

  6. Noemi April 28, 2013 at 1:52 am #

    am a g1 driver, have been insured with same insurance company for 14 months. Recently had a car accident. When i filed a medical claim they cancelled me and told me becuase of material misreprersentation. Does any one know what this means?

  7. Carrol April 28, 2013 at 5:11 pm #

    My employer asked me to fill out a form. One of the questions is whether I have a driving license, but I don’t want them to know, since all my colleagues who own a license get a higher share of the workload compared to those who don’t (for the same pay). Do I have the right to withhold that information? Could lying have any legal consequences? If yes, can a driving license be revoked?

    (Note: I don’t own a car and commute to work by tube)

  8. Fredrick May 8, 2013 at 6:02 pm #

    I want a mercury suv. also, please describe the process of buying a new car off the lot. will the financing only take a couple minutes? Do I have to come back?

  9. Patria June 6, 2013 at 8:21 am #

    ie: If I own a car andits titled to me, can a friend insure it?

  10. Salvador June 13, 2013 at 2:02 am #

    I have bought a car and my older brother is policy holder of the insurance. My brother had accident and now Insurance company says that because you are not the policy holder of the car your insurance will be cancel+ we will not fix your car+ you will need to pay the fine and six point of your licence. is that write? what should I do?

  11. Shanelle June 13, 2013 at 2:06 am #

    i just brought a new 35k car and I’m in school full time, struggling to make the payments. the payments is nearly $700.00 bucks monthly. how can I afford that payment and i’m in school 10-12 hours daily? i want to get out of this contract, without getting a reposession or claiming bankruptcy. i thought about Insurance fraud, having my car stolen, having my insurance company payoff the car, once it’s not recieved. but that’s Illegal. can some one give me some advice, because i don’t want to quit school over a car payment.

  12. Collene June 14, 2013 at 6:41 pm #

    just wondering if either of the options causes a higher insurance rate. Or is business or pleasure is considered more risky by insurers.
    oh fyi i was traveling for business and that is what i told the insurance. i was just wondering if there was any difference if i told them i was driving for personal reasons.

  13. Robin June 17, 2013 at 7:26 am #

    My husband wants me to hide my violations because we are trying to get a new policy right now. I figure why wouldn’t everyone do that then?

  14. Princess June 17, 2013 at 12:26 pm #

    I slid on some ice and dented a parked car. My insurance paid for it, but now they don’t want to re-insure me. According to them, it was an “at fault accident,” but the police were never involved and it is not on my driving record. I’m looking at insurance quotes online right now, and if I don’t report it my insurance will be much cheaper. So do I legally have to report an accident that did not go on my driving record? What will happen if I don’t?

  15. Alysha July 6, 2013 at 11:14 am #

    Here’s a dilemma – you are obliged to tell your insurer of any changes to your circumstances, even if not in the policy (concept of utmost good faith) and not to do so could invalidate it – but how good is your faith in the system and the understanding of mental health conditions? Don’t you just fear your premiums will go through the roof and that your condition won’t be understood? Have you disclosed your condition?

  16. Zita July 16, 2013 at 10:07 am #

    I switched my house and car policy and as soon as I switched (within weeks of switching), insurance company send me a letter that they are canceling my house policy due to minor repair issues. They had inspector visit my house without ever asking me and he walked around outside of the property in my absence. They never gave me opportunity to address issues identified in the cancellation letter.
    So where are my rights as a property owner if they can trespass on my property? Also, what about my rights as consumer if they can bait and switch, in other should they have visited the property before insuring it?

  17. Mark July 27, 2013 at 8:06 pm #

    I have a relative who lied about who lived with her on her insurance application even though it does not affect her insurance and I was just wondering would that still be considered insurance fraud.

  18. Hunter August 13, 2013 at 5:54 pm #

    I plan on driving to, and living in a new state. I was wondering if anyone could give me advice on a few questions I currently have. I have read the answers on similar task but I have a few questions I would like further clarification on. Also, I plan on getting an apartment ASAP.

    – What are the best jobs to seek when I dont have a place to declare my resisdence? Or are there any tips for getting around that?

    – Would it be best to drink from water foutains, and use the money I do have on buying a thing of one-a-day vitamins for needed nourishment. And eat bread and dollar menu type items to suffice my hunger?

    – What are some nationally known good places to park for the night? A walmart parking lot, being that they are open 24/7?

    – What would be my best source to find out information on where to find public showers.

    – How difficult is it to move into a new state in the means that I plan on doing it, and the proper steps needed. Ex: Cost, setting up an account, insurance.

  19. Serita August 24, 2013 at 4:23 am #

    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?

  20. Jamila August 24, 2013 at 9:32 am #

    I recently moved to Oklahoma, about a year ago I received a DUI in the state of Virginia. My license was suspended for a year, so I am wondering if once that suspension is up do I need to pay the reinstatement fees in the state of VA or can I just apply for an OK license now?

  21. Karyl August 29, 2013 at 11:35 pm #

    Like can they get me in fraud and face up to thirty years in prison

  22. Staci September 1, 2013 at 12:24 pm #

    I am buying a car, though I probably won’t use it to commute everyday, only for long trips out of the city. I noticed that insurance companies on their quotes ask what the car will be used for. I’m not even sure myself how the car will be used on average, what answer gets the lowest rate? Some examples are “Commuting to Job” “Commuting to School” “Pleasure/recreation” “Business”

  23. Josef September 5, 2013 at 12:52 am #

    I own the taxi car, but I drive it through the taxi company. The boss says the insurance card he gave me is all I need, but I’m afraid it may be liability only. Since I will be using this car for my private errands occasionally, I might also want collision, or even comprehensive. So I was thinking about getting insurance for it through AAA, as they insured my last private car.
    Can I do this?
    Thank you.

  24. Princess September 5, 2013 at 5:47 am #

    If the reason is based on safety – to reduce accidents caused by running a red light, then it obviously isn’t working.
    However – if the real reason is to increase fines – then it is a source of revenue for councils. Not only this, but your car insurance also rises depending on how many accidents your area has.

    – So it seems a win-win situation to tax the people, without improving road safety at all.

    I suggest a cheaper (free) option to improve road safety – by just extending the time of the orange light by 1 second.

  25. Loura September 5, 2013 at 10:55 am #

    My car insurance agent refuses to give me a copy of of policy and plans to mail me the copies by the end of the week. I took pictures to prove that I had copies and she then said what I was doing was copyright infringement. Is this true?

  26. Bryce September 14, 2013 at 6:58 pm #

    I have a couple driving convictions on my full drivers licence and I’m thinking about doing an intensive direct access motorbike course – if I pass, will I just have the one licence for both car and bike and when I go to insure my bike will I have to tell insurer about my convictions on car?

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