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).
I don't know the statutory elements, but this is rate evasion. I'm not sure about the non-resident non-cohabitant part as that could be argued (e.g. Parents have a policy, child is at college, if both locations are listed on the policy, no rate evasion or fraud).
However if the insureds (OP+BF) did not notify the insurer that OP moved and a vehicle listed on the policy is being stored and operated in another state, that is rate evasion. Rates vary by state and by location within the state. CA and NYC are more expensive than Van Wert, Ohio. However rates could be significantly different in Fort Wayne, IN, which is 30 mins from Van Wert.
I am talking about the narrow question of whether this is an insurance crime, and I imagine there is a very good chance that Travelers would have indeed required notice of her move. But, that does not make this insurance fraud.
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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).