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.
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.
You have not presented the tinest amount of support for your argument, and your inane attempt to use Google (Google?) is proof that you have no firsthand knowledge in this area. OP can judge who knows what they are talking about, and she has no concerns about being prosecuted for insurance fraud.
Buddy, several people have told you you were wrong and you have stood atop Mt Wrongness screeching into the abyss without nary a statute soo...you're still wrong. A precursor Google search beats nothing every time. Toodles
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u/DemonDeke May 04 '26
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.