can insurance companys find out if your lying?

Question

i was insured last year but had a crash which was 60/40 in his favour. i need to get insured in a new car for work and the premium will be way 2 expensive with my crash.if i go trough a different insurance company and dont tell them about the crash will they be able to find out

Answer 1

Don't do it!

By not telling you rinsurance company you're doing two major things:

1) Invalidating your policy should you need to claim (which means if you run into a 50 grand mercedes YOU PERSONALLY are liable for the repairs to it as your insurnace will be null and void.

2) You're commiting fruad, which is a jailable offence.

So in essence, don't even think about doing it, ever. The repercussions are too heavy handed when (not if) you get caught.

Answer 2

Ryan D has the best answer! To add to his answer most companies check CLUE, MVR and ISO in underwriting and not at the time of an accident as many here have claimed and usually not at the agent either. This is why sometimes when you are quoted a price by an agent you might get a bill/cancellation notice for a higher premium than quoted by the agent. This is most often a result from underwriting finding something that was not disclosed by you in your original application which causes your policy to be “up rated” or depending on what they find even canceled, if it violates there guidelines.

It’s a good idea to be as honest as you can with your agent, not only to avoid a messy situation in the future but most of us agents want to help you and want you as a long time customer (I reiterate most). If you give us the fact’s up front then it helps us find the best product to fit your needs and budget.

Good Luck

Answer 3

As some have pointed out already, there are databases which insurance companies use to "flush out" those "forgotten" accidents and/or traffic citations. The most common are the CLUE reports (which stands for Comprehensive Loss Underwriting Exchange) and ISO (Insurance Services Office). Prior losses will show up on these reports for any auto, home, work comp, commercial, etc., loss. Citations are checked by running an MVR (motor vehicle report).
You shouldn't lie on the application. It's grounds for cancellation and they'll likely find out about your driving either way.
Good Luck!

Answer 4

Yes, they will. Car insurance companies exchange driver information among themselves and with the courts and DMV agencies.

Asking about accident and violation history is nothing more than an "honesty check" these days. They already know the answer and want to see how truthful you are.

If you're honest, you may be accepted but will pay the approrpiate rate.

If you're dishonest they'll deny your application. The fact that you were denied may also now be a matter of record for other insurance companies to see.

Answer 5

Yes, from the claims database that all major insurers subscribe to.
They won't check it when you take out the insurance, only when you make a claim!
However, you would be technically insured as required by the RTA because you would be in possession of an insurance certificate, so you coundn't get done by the police!
The insurers could refuse to pay YOUR claim but may have to pay a third party claim (as required by the RTA) but may well then take you to court if nessessary to recover their loss.
They've got you all ways.

Answer 6

Yes they can - don't do it. Never lie to an insurance company because, if you do, they will avoid the policy if you need to make a claim, which could land you in deep doo doos. Insurance policies are contracts of 'utmost good faith' which means the insured has to tell the insurer everything relevant (whether or not the question is asked)

Answer 7

You bet they will find out!! Insurance Company's now hire companies who do exactly this type of research. Don't waste your time lying or trying to hide it. Fess up to the accident and you'll be ahead in the long run. Some companies won't insure you either if you have not had continuous coverage..................

Answer 8

Yes they will run what it called a clue report... and the accident will be on there. then not only will have the accident on your record but "fraud to a insurance company" So DON"T DO IT

Answer 9

you have of chance of getting away with it.
If you try and get found out not one insurance company
will cover you..
The only other way to get insurance is to have them
insure car and have you as a named driver and usually
they want car registerd in main drivers name.

Answer 10

They can find out. Even if they issue you with insurance at the time they will find out eventually.