Auto Insurance policy changes?

Question

Would a auto insurance company be able to tell if you changed your deductibles after a wreck or comprehensive damage? If you changed it and then waited a couple of days or a week from say, 1000 to 500$ and then filed the claim. Do they check for recent changes in policy coverages?

Answer 1

Most companies do check for recent policy changes when a claim is made. If it is a drastic change, like lowering deductible or adding additional coverage that will cause some suspision. Also if a police report was filed it will tell them when the loss happened or if its hail damage or something they will check the local weather bureau for reports of hail. Most companies wont push for insurance fraud claims (and send you to prison) for that though. They will just apply the correct coverage or higher deductible.

Answer 2

You can change your deductible and file a claim. However, if the accident happened on 5/1, you would pay what your deductible was on 5/1. You can't change your deductible, then wait a few days to file the claim and expect the insurance company to honor your new deductible.

Answer 3

You bet they do.  Claims made right after policy issue or changes are a yellow flag for fraud.

Answer 4

That is called insurance fraud and that can get you about ten years in prison, don't try it. They will make you pay the deductible that was in effect the day you wrecked. Seriously, don't try this, insurance agents, adjusters, and claim representatives aren't stupid.

Answer 5

This is fraud and against the law and you can bet on being caught.