What are the penalties if you’re caught using an alternative address to get cheaper car insurance?

July 25, 2017 · Posted in FAQ 
car insurance
whenwillthelambsstopscreaming asked:

My boyfriend (he’s 39 years-old) still uses his parents home address for his car insurance even though he has lived in the neighboring state for the past 12 years. He just recently was involved in an accident (not his fault) and he’s freaked out that the insurance company is going to find out. How would the insurance company go about investigating this to find out?

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5 Responses to “What are the penalties if you’re caught using an alternative address to get cheaper car insurance?”

  1. rich2481 on September 22nd, 2009 3:14 pm

    they look at his credit report, and get the information off that,

  2. I_Love_McRedneck on September 23rd, 2009 11:07 am

    Oh, there will be an investigation alright. Legally you have to be insured by the sate you live in.
    They’re probably going to deny his claim and drop his insurance. Hope it was worth the few bucks he saved each month.
    Tsk tsk – karma ALWAYS gets you

  3. Lou T on September 24th, 2009 4:20 pm

    are you kidding me??? They are not going to check his credit backround…. No one has the right to check ur backround without your permission, cause its ILLEGAL. C’mon. Think about it. They aren’t going to find out because there is no reason for them to look at that. That would be one mistake that would cost them alot of money.

  4. la428282 on September 26th, 2009 2:50 pm

    haha.. wow.. hes screwed. Did he really think he was THAT SMART and could just get one over on the system?

    As an adjuster… when someone gets in an accident one of the first things i look for is misrepresentation. That is doing things like putting the incorrect address or not having someone on the policy- things people do to try to cheat the system and get lower rates.

    If someone did comment misrepresentation.. their entire claim will likely be denied… this means… if they are at fault they are now stuck paying all their cars damages, all the other cars damage, and any injuries they caused.

    Sometimes.. if they are extremely lucky.. the company may allow him to pay the extra rate he should have been for the past 12 years… you know.. what he SHOULD have been paying.

    Your boyfriend is an idiot. All the rest of us pay for insurance like we are supposed to.. what is he.. better then everyone?

  5. Scott H on September 29th, 2009 7:50 pm

    When he tries to make a claim, his insurance company can deny the claim. He is cheating the insurance company out of lawful revenue. Also, there’s the matter of providing fraudulent information on an insurance application, which is a felony in most states.

    Sounds like this guy is a real winner. I’m sure you can do better than that. If he’s dishonest about his insurance, it makes you wonder what else he’s lying about.

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