union car insurance from 2002 and ended in 2004 in 2003 i had 2 accidents with norwich union which were both seen 2 b my fault i didnt claim for my car my the other parties did for their car. from 2003-2004 i earned from norwich union 1 yr no claims bonus but when they went to renew my insurance they tried to charge me double so i decided to go else where which was with more than i produced to more than the 1 yr no claims from norwich union but did not inform them about the accidents as i thought coz i earnt that one year it wasnt a concern to them. since being with more than for 4yrs i havent claim anything off them. this year 22/12/07 i skidded on ice and hit the back of another car but i have with more than no claims protected bonus for life and 4yrs no claims my worry is they are still investigating the accident but the agent 2day nofity my dad of the claims i had b4 with norwich union and my dad said its nothing to do with them can i get a criminal conviction
2007-12-31 09:21:13 · 12 answers · asked by sexy babes 1 in Politics & Government ➔ Law & Ethics
You must declare everything for insurance so yes you should have told them of your accidents. It is not criminal but they can decide not to pay cos you did not tell them of your accidents. you will have to tell the insurance companies for life or until they decide they do not want to know and that might be 20 years.
sorry if you make a mistake it can be a life long sentence.
your father is wrong. he is trying to protect you and in life that does not work.
tell the truth at all times you are old enough.
2007-12-31 09:28:23 · answer #1 · answered by Anonymous · 0⤊ 0⤋
You only get a criminal record if you're convicted of (or admit) an offence in court (or receive an formal, official caution). It is a record of such convictions.
If you lie to insurance companies in any way they can void your insurance, which is most likely, or conceivably you might be reported with a view to prosecution for fraud, which is much less likely. Be aware that insurers share a database where your claims history is recorded. All you need to do is answer all the insurers questions accurately and truthfully, then you're okay. If that's what you've done, you have no problem.
2007-12-31 21:23:34 · answer #2 · answered by champer 7 · 0⤊ 0⤋
The consequences of driving without insurance can be quite severe.
More Than would be within their rights to repudiate the insurance as you lied on the application form, so legally you weren't covered.
The third party may report the accident to the police, and probably will if your insurers refuse to pay, so expect a call from the local constabulary sometime in the future.
PS. If you'd written the question in English, it would have been easier to understand.
2008-01-01 05:00:15 · answer #3 · answered by Do not trust low score answerers 7 · 0⤊ 0⤋
the project is, you lied to the government and that is as much as them what occurs. no count if it is not a penalty subject, then courtroom and reformatory are actually not seen. what's seen is your return and forth. you ought to be barred from return and forth or you ought to be expelled from the country. And definite, something that the government do to you is placed on your record. yet, what may be finished with that record can in basic terms be used against you in case you have yet another episode of lieing to the government approximately your age. by capacity of lieing to the return and forth police, you place your self interior the terrorist class.
2016-12-18 13:40:48 · answer #4 · answered by Anonymous · 0⤊ 0⤋
This could be considered insurance fraud but whether or not it would be worth the company pursuing it is another matter. You may end up simply having problems getting insured in future resulting in your having to pay higher premiums. You don't get a criminal record unless you've been arrested, tried and convicted of a crime.
2007-12-31 09:41:16 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I work for norwich union. When you get a quote for car insurance any company will ask you if you have had any "accidents, claims or losses within the last 4 years" or however many years they choose. since you had an accident then you should have declared it. It is up to the insurance company to then determine if the incident needs to be noted. Since you didnt say anything then your insurance may well be invalid and your company do not need to pay out on the claim.
You wont get a criminal record but whenever you go to a new insurer and they ask if you have "ever had insurance refused, cancelled or terms imposed" you will have to tell them about this incident. They may well not want to insure you.
2007-12-31 09:34:19 · answer #6 · answered by Anonymous · 2⤊ 0⤋
i dont think you will get a criminal record, but the insurance comapny are within their rights to refuse to pay for the damage as you failed to disclose details of the accidents. they usually ask "have you had any accidents/claims within the last 5 years, irrespective of fault." and you answered no, which will invalidate your insurance!
2007-12-31 09:32:10 · answer #7 · answered by littlemissmuffett 3 · 1⤊ 1⤋
The fact that you did not put in a claim for the damage to your car does not mean there was not a claim. When you hit the other vehicle THEY put in a claim against your insurance. A claim is a claim regardless who files the claim.
I am not sure what you feel was criminal. Maybe something between the lines I missed in your run-on sentence.
2007-12-31 09:31:31 · answer #8 · answered by davidmi711 7 · 1⤊ 0⤋
No - you will not have a criminal record.
Stop worrying and go to bed.
2007-12-31 09:29:51 · answer #9 · answered by Anonymous · 0⤊ 1⤋
I don't know about the legalities of it but i do know that when you take out car insurance,they always ask if you've had any accidents. You clearly lied to them.....................
2007-12-31 09:26:51 · answer #10 · answered by trish b 7 · 1⤊ 0⤋