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| I'm having sex. I'm afraid that when they bill the insurance company he will see i had to go to the gyno multiple times or if i have to get some type of medicine or pills he'll also ... |
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| This is the case with two of my aunts that are single-parent now, divorced, and receiving medicaid. They all live in California.... |
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 Got laid off, but I still have my health insurance, but for free!? |
| got laid off at my job because of a hurricane, and for some reason I still have health insurance through them, but I'm not paying any premium! It's really strange. I stopped working for ... |
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 I am claiming on my home insurance and they want to pay the contractor direct?? can i insist they pay me? ? |
| i am claiming on my insurance after my front wall of my house was damaged with my car, i have recieved a quote from a contractor. the ins comp are happy with the quote but are sending me a cheque in ... |
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| broker gave short description of each page before signing, got home, read each page throughly, (what i should have done in first place)and find out i was signing for membership in motor club, , fee ... |
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 Why do insurers needs a policyholder to answer financial questionnaire? |
is it to
a) Det premium rate? or
b) know if p/holder have other policies/commitments?
please choose one answer (or if neither pls provide answer)
Additional Details
... |
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 How many customers and money has Nowrich union lost using Indian call centers? |
Additional Details
Sparkle5. Sounds as though you might be a share holder, if so waken up.
After many accident free years with them I had to change! My premium had doubled - ... |
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 Do you have to report a car accident settlement to disabillity, ssi? |
| i was in a car accident and am getting a little settlement, i was wondering since it is non taxable do i report this to disability, ssi? thanks!... |
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i think our insurance is expensive
we bought the house three years ago for £120,000 but at the time i had a bit of mental illness so just took out the insurance that was offered at the ... |
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 My wife's employer denied her short-term disability insur. pymts due to of a "pre-existing" condition. legal? |
| Our understanding is that "short-term disability insurance" covers any injury, ailment or other medical condition that causes you to miss an amount of time from work defined in your policy ... |
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 Affordable health insurance in texas? |
I am self employ'd
make enough to pay my bills
cannot afford the average health insurance
can anybody recommend me to affordable insurance that does not have a ... |
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A.F. | ? for insurance people....? |
My husband put a huge dent in my SUV, found out we have a $1000 deductible instead of $500. Is it illegal to change the deductible, then get the SUV fixed in say, a week? Is there any way we could get in trouble for this? Any answers from anyone who knows will be helpful! |
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mbrcatz
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Yep, that's classic insurance fraud. You can go to jail, but more likely, you'd just get your policy cancelled on you and have a really hard time finding another one. |
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ernesto_tig
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This would be illegal . This would fall under the the category of insurance fraud. The worst that would happen? You'd get denial of coverage from your insurer, followed by a cancellation notice. Following this you'd have to explain to subsequent companies what the fraud was about to get your vehicles covered.
Your hubby wanted to save premium dollars with a higher deductible, now it's time to pay the piper. |
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Insurance MAN
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Good advice above.
But to answer your question, the deuctible at the time of loss is what would apply. if you never report it and change your deductible, and claim it in a week, you are sending up HUGE flags. They will investigate. And there are ways to tell how old a dent is.
Then... you can be charged with Insurance Fraud. (Felony).
EIther deal with 1,000 ded. or fix it yourself. If i were you, i'd fix it myself. |
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M v
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Its people like you that make it difficult for the honest person.
This is just one prime example why rates are so high.
Just remember: What goes around comes around. It will eventually bit you two in the ***. |
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Christie
 |
If you call your insurance company and ask to change the deductible, it will become effective TODAY - it won't apply to an accident that has already happened.
And yes, you can definitely get into trouble for what you're trying to do. It's called insurance fraud, and people go to jail for it. Pay the $1,000 to get your car fixed and be done with it. That'll be less expensive in the long run. |
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Phil
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This would be insurance fraud, which is a crime. Your chances of getting caught depends on many factors, such as what was hit, who all knows, etc. Sometimes neighbors will rat you out. Also, if you attempt to change your deductible in the middle of a policy term, the company may want to see the vehicle. And if they don't, and you file a claim shortly after that, your claim will be flagged for extra investigation.
Whether you should file a claim depends on the total amount of damage. If the damage is under $1500, just fix it yourself and don't file the claim. If the damage is over $1500, you probably are better off filing the claim. |
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Kaushik A
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Its definitely an offence and you'll be in trouble.The concerned insurance company has the discretion to even investigate into it.And insurance companies have loss adjuster(technical person) who can pinpoint any dent's character means its age. |
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Nate W
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Changing coverage for the better and then filing a claim on those coverages raises some eyebrows within the company. As others have mentioned, worst case scenario is they deny the claim and cancel your insurance. Most likely however, they would pay the claim, but non-renew your policy after it expires.
Bottom line, that is alot of hassle to go through for $500. You're much better off just paying the extra amount out of pocket to get it fixed. |
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bull_rooster_aardvark
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If it were me I wouldn't even report this to the insurance company no matter what my deductible (I'd just fix it myself). If you report this to the insurance company (even if your deductible were $500) they will fix it and may pay you something but then they will put a big red mark on your policy in the computer and when it comes time to renew it they will raise your rates. It'll probably end up costing you more than $500 in the long run anyhow. So, for something minor like this just fix it yourself and don't report it to insurance - insurance (in my mind) is only for major problems. |
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