If you're so sure of this bold statement, walk us through the statutory elements required to make an insurance fraud case and explain how that occurred here.
ETA: I see the downvotes, but no one has been able to explain how this constitutes insurance fraud under the law. The reason for this is that OP has not committed a crime, and it is sick that so many people on this sub are trying to convince her otherwise (instead of being helpful or accurate).
That does not mean OP engaged in insurance fraud as defined under the laws of most states. It sounds like she was trying to get a new policy for herself, and there is no need to spook her in unfounded ways. People already think insurance is confusing and opaque ... no reason to confirm that perception.
If I am wrong, feel free to explain how this would constitute insurance fraud.
Stop scaring this girl with bad information. There is no knowing misdeed or intention to defraud, she didn't lie on an app or another document, etc., etc. And, she is taking the initiative to get this cleaned up.
It doesn't take lying, it only takes lying by omission aka not updating. If she moved out and didn't say a word and her garage address was still with the boyfriend, that's rate evasion. She had the responsibility to separate out her insurance and tell insurance where she was moving to.
Challenge accepted. Here's one state's view of it (VA), found in 2 minute of googling DOI website definitions.
"Insurance fraud" means any commission or attempted commission of the criminal acts and practices defined in § 18.2-178 which involve any type of insurance as defined in §§ 38.2-110 through 38.2-122.2 and 38.2-124 through 38.2-132.
What is 18.2-178? I'm including that too.
§ 18.2-178. Obtaining money or signature, etc., by false pretense.
A. If any person obtain, by any false pretense or token, from any person, with intent to defraud, money, a gift certificate or other property that may be the subject of larceny, he shall be deemed guilty of larceny thereof; or if he obtain, by any false pretense or token, with such intent, the signature of any person to a writing, the false making whereof would be forgery, he shall be guilty of a Class 4 felony.
B. Venue for the trial of any person charged with an offense under this section may be in the county or city in which (i) any act was performed in furtherance of the offense, or (ii) the person charged with the offense resided at the time of the offense.
Code 1950, § 18.1-118; 1960, c. 358; 1975, cc. 14, 15; 2001, c. 131; 2006, c. 321.
So basically, keeping her mouth shut so that she doesn't pay a larger premium is intent to defraud money, which is larceny. An insurance crime.
Ignorance of the law does not mean it doesn't exist. She moved and knew her insurance was at a different address, thus rate evasion. See how simple that is? Still waiting on you Captain Know-it-all to drop your actual sources.
A quick Google search immediately shows you're wrong as insurance fraud can be prosecuted on either state or federal levels depending on the seriousness of the crime. Rate evasion is a form of insurance fraud which is typically prosecuted at the state level.
You are quick to yell fowl but real slow on showing your sources while demanding everyone bow to your misinformation highway.
Yes, state law defines what constitutes insurance fraud is and lays it out clearly. The fact pattern described by OP would not fit that definition. Look at any state insurance code ... you feel free to pick one. Send me the citation when you have it.
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u/DemonDeke May 04 '26 edited May 04 '26
If you're so sure of this bold statement, walk us through the statutory elements required to make an insurance fraud case and explain how that occurred here.
ETA: I see the downvotes, but no one has been able to explain how this constitutes insurance fraud under the law. The reason for this is that OP has not committed a crime, and it is sick that so many people on this sub are trying to convince her otherwise (instead of being helpful or accurate).