Friday, February 12, 2010

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?How ';illegal'; would it be to add comprehensive auto insurance a day after hitting a deer, then making a claim?
There are tons of websites where you can get a free insurance quote. http://www.lowestquoteonline.info/Auto-I鈥?/a> It only takes a few minutes to do.How ';illegal'; would it be to add comprehensive auto insurance a day after hitting a deer, then making a claim?
Yes it is illegal and is a fraud. When you hit a deer, you need to have the comprehensive coverage in order to claim insurance and should inform your insurance agent or insurance company about the incident. In some cases, the insurance rates could go up after making the claim with the insurance company. So to get the best monetary benefit or claim, you need to know how to handle your insurance claim.
DANGER MR. ROBINSON鈥?DANGER! This is a huge red flag. Insurance Co鈥檚 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鈥檒l 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.
In addition to all the responses below, this would be a ';red flag'; to the adjuster that was assigned to your claim. They can see any changes you've made in coverage and they would likely have the special investigations unit (they investigate insurance fraud) investigate your claim.
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.
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.
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.
That's called ';insurance fraud';, and in most states, it's illegal enough to be considered a felony. You can damn well bet if you make a claim a few days after increasing your coverage, the insurance company WILL investigate you.
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
adding that type of coverage usually involves the car being inspected by an agent before it gets accepted, did you think you were the first person who thought of that? as for how illegal it would be?...come onnnn, do I need to explain that to you?
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.
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.
Highly illegal.





It's called insurance fraud.





It's a felony.
Extremely. Felony insurance fraud. Potentially several years in prison. Less serious than murder. No death penalty.
Very illegal.


It is called insurance fraud.


People go to jail all the time for it.
That would be insurance fraud. You may get away with it or maybe not.

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