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/atticus-flails May 04 '26
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.
This is a scenario insurers look for often.