Can I report fraud to an auto insurance company?
So this person I work with keeps on bragging on how she told her auto insurance company she drives her car for 7500 miles per year, but she usually goes 8000! She also says she told them it’s all for personal use, but I don’t buy it.
It’s not fair. Us honest drivers have to pay more because scum like her lie to the insurance companies.
Is there a way to report this? Or should I wait for karma to bite her? Insurance companies can find out if she is lying…right?
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September 1st, 2010 at 9:14 pm
It’s not fraud. It’s just a small misrepresentation on the application for insurance.
The difference in premium between driving 7500 miles a year and 8000 miles a year is so small (if there is any at all) it’s immaterial.
Even if the person had a claim and the insurance company discovered the misrepresentation it’s not large enough to void coverage.
The only misrepresentations on an insurance application that will affect insurance coverage are ones that are so big that if the truth had been known the insurer wouldn’t have insured the person at all, even at a much higher price.
September 1st, 2010 at 9:14 pm
how old are you??? like 12 or what?? are you so chronically messed up in your own head, you spin uselessly on your thumb worrying about dumb crap that makes not one lick of sense, WHO CARES, no one put the tattle tale of the neighborhood award on your t shirt, my advice, stop worrying about non sense, I have found people who spend a lot of time being paranoid about some percieved wrong, often times have issues in their life where they are responsible for the exact same behavior as the person they accuse.
You are best off minding your own business, life is too short to spend so much wasted time worrying about other peoples problems, so stop watching those stupid soap operas on tv, mind your own business and worry about you, you have some mental issues already.
September 1st, 2010 at 9:14 pm
Feel free to contact her insurance agent! You can do it anonymously if you like. They will certainly check it out, and look at actual odometer readings. (And it is very easy to see whether an odometer has been altered in any way. Trust me, they know what to look for, and it is very clear even to an idiot.) If she drives the car only to and from work and around town, it probably IS just personal use. However, if she uses it to deliver pizza or newspapers, etc., that is business use and that is a very big deal. Insurers WILL investigate allegations of fraud.