How “illegal” Would It Be To Add Comprehensive Auto Insurance A Day After Hitting A Deer, Then Making A Claim?
I’m now 25 years old and have never had anything close to an accident. So naturally I carry liability only insurance for my automobile. Well 2 nights ago I hit a deer on the way home causing moderate front end damage to the car. How “illegal” would it be if I were to add comprehensive insurance to my policy, then wait a few days and make a claim?
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November 8th, 2009 at 5:24 pm
There are tons of websites where you can get a free insurance quote. http://www.lowestquoteonline.info/Auto-I… It only takes a few minutes to do.
November 8th, 2009 at 5:24 pm
If the question is legality, then it is very illegal.
However you won’t be the first person doing it. It is highly unlikely if you will be send behind bars and stuff like that. If you have to do it, then advise is be extra cautious.
November 8th, 2009 at 5:24 pm
Extremely. Felony insurance fraud. Potentially several years in prison. Less serious than murder. No death penalty.
November 8th, 2009 at 5:24 pm
I don’t think you’re the first to think of it. Therefore the insurance company adjusters or fraud department would probably be suspicious if you made a claim a few days after getting insurance. Insurance fraud is not something you want to get nailed with.
November 8th, 2009 at 5:24 pm
its called fraud/its indictable and carrys a felony prosecution/usually when you apply for collision you need to get pictures of the car before it becomes insured/comp has nothing to do with collision what your damage will be classified/good thinking to become a criminal wow
November 8th, 2009 at 5:24 pm
Do yourself a favor, and fix it yourself. For what you are about too try to do will not work . Thy will have you bring your car to them ,So thy can check for any dings you may have before thy Insure you.
November 8th, 2009 at 5:24 pm
If the damage is moderate, I would suggest making the repairs out of pocket and not even bother with your insurance. Making the claim will more than likely make your insurance rate go up, and stay at that higher rate for 3 years.
November 8th, 2009 at 5:24 pm
That would be insurance fraud. You may get away with it or maybe not.
November 8th, 2009 at 5:26 pm
DANGER MR. ROBINSON… DANGER! This is a huge red flag. Insurance Co’s have automatic alerts set for cases just like this. If the insurance co lets you add the comp coverage without an inspection, making a claim shortly after adding the coverage will trigger a red flag. Bigger ins co’s have fraud units especially design to go after fraudulent claims. Those Co’s have in house litigation teams that will go after you heavily. You’ll pay more in court cost than it cost you to fix the car. Sell the deer meat to pay for the damages. I’m sure there’s a hungry backwoods family that will pay you top dollar for a battered Bambi.
November 8th, 2009 at 5:26 pm
Whatever you added to your insurance would cover from that day forward, not in the past. If you made a claim for an accident during the time you weren’t covered, it would be fraudulent. Insurance adjusters are quite good at uncovering fraudulent claims. I wouldn’t try it.