Of course, auto insurance is expensive, and in a survey, about two-thirds of drivers who submitted false information to insurance providers said they did it to save money. A report by the Federal of American Consumers found that many motorists pay $ 500 a year to get a loan, and many pay more than $ 1,000.
Lies have many ways to hide unpleasant facts that can make them pay high prices. Sometimes, it is a matter of negligence to admit that you have a traffic fine or road accidents. In some cases, applicants talk about where to drive a car or who else to drive.
Playing issues
However, if people like these files for a claim, the insurance company may find that. Your investigators will make every effort to verify that your request was correct. They have the right to end their policy and penalties for possible public fraud.
Values are established using a large number of objects without a driving history. People are often asked, for example, to provide their credit history, the average number of miles they drive and the year, make and model of their cars. For more information on this subject, see how the Insurers determine their car insurance rate.
The goal of providing false information, looking like the best driver and the car is seen as high risk, is a tempting tactic, or is morally questionable, to reduce insurance premiums. But it carries its own risk: availability. Skip the drunk driving time you have? Do you pretend that your junker is a vehicle worth driving at low mileage?
In addition, the chances of someone having a car appear to be trivial. In 2014, there were nearly 6 million accidents in the US. U. And the country had 212 million licensed drivers. That means that the driver is about 3% more likely to be involved in some type of accident each year. Also, someone can steal your car or competitors may lose it. The question is whether the driver wants to rely on luck, year after year.
The most common lies are told by drivers
Usually, policymakers who tell the whopper say they made a mistake or simply forgot to include something important in their history. Car insurers, of course, have heard such stories before; Your chance of getting an exercise regimen is limited or not.
Here are some omissions and general falsehoods that can result in policy losses, inability to get new cover, fines, legal order to pay premiums, including jail time:
• Accidents or penalties. This is the easiest of insurance to look for, no matter where they live. The defense he kept on the west coast did not disappear from the details when he moved to New Jersey. Although the speeding ticket you received may seem like an old-fashioned story, the insurance company won't feel it.
• Who is the best driver. Usually, this includes a parent who claims to be the most used car insurer, and is actually their son's age at university. Young men have higher premiums because they have more risks and are at higher risk.
• How many miles do you earn? The more time a car spends on the road, the more likely you are to get involved in an accident. Usually, the driver of the car will say that the daily work journey is much smaller than it is. That makes it all the more difficult when the driver crashes into the car and drives home.
• How to use the car. Suppose someone is using their car at work, moving pots or tools to repair a home. But he tells the insurer that the car is for shopping and leisure only. When it crashes into a central highway and a police report notices that a pile of pizza crumbs inside your car, it doesn't look right to the insurance company investigating your claim.
• Where do you actually live?
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