is this insurance fraud? what could happen?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 14, 2012

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Insurance Question from Hialeah, FL

Asked on 03/14/2012

is this insurance fraud? what could happen? i was in a car accident with my boyfriends car and i am not on his insurance policy.. we were asked to make a statement under oath each one of us seperately... he said we dont live together and i said we do which is the truth... is this considered fraud? will he get in trouble? what should ido? can this be fixed?

Answer given on March 23, 2012

If you were driving your boyfriend’s car and was in an accident, the insurance company for your boyfriend is responsible for the damages to the other party’s car.Insurance companies routinely request a statement be given by the driver of the car, and sometimes the owner of the car. It is not clear why your boyfriend did not want to tell the insurance company that you lived together, unless he was afraid it would make a difference in the handling of the claim. He should go back to the adjuster and correct his statement.Most insurance companies want to know all drivers in a household. Since you were a member of the household, the insurance company will now want to add you as a driver of the car, or exclude you. If they add you to the policy, your rates will probably be increased due to the accident. If you have your own car and insurance, you can provide that information, which may prevent the accident from affecting your boyfriend’s insurance.

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