Can I lie to my insurance company?
 

Hi all, so I bought my FRS about 3 months ago. To get the best deal with our insurance, they had limit my car to 8,000 miles a year for $100 a month.

Is there anyway they can find out that I exceed the limit? Can I just lie? How does it work?

There's no way that I'm going to stay under 8,000 miles a year for this car.

I'm already at 5,400 miles after three months. :confused0068:.

Time to change insurance companies it sounds like. I just got my FR-S on 11/29 and Farmer's didn't even know how to quote the car. My premium was going to be 220 bucks a month... I swapped to Geico, down to 67 a month with better coverage. I'm 28 and live in Round Rock, TX. Go insurance hunting and see what you can find. I know location plays a big factor in it, but to me that sounds pretty ridiculous what they are offering to you.

Generally from past experience, they don't check it, I've always lied to them when this question was asked to save on insurance aswell.. I think maybe on renewal of a policy they might ask how many km's are presently on the car, but I've never been asked that either, I think you're safe but might be dependant on the company itself.

Cheers ;D

No quality company can beat USAA.

That's because no company can compete with any military benefit.

Almost anyone can use USAA - not a government company or military benefit. Check it out to see how easily you can qualify.

Isn't that some form of insurance fraud though? Not in the traditional sense of it, but you're still giving fraudulent info to the company.

Elaborate please

$100 a month for full coverage is a good price, but not with mileage limitations. If you total the car or it gets stolen then recovered, there might be questions.

"well, I used to drive around 8000 miles a year...but this car is so fun to drive!". That's your excuse. You could always call them anonymously and ask if there are any penalties for exceeding the mileage limit.

If your insurance company finds out you lied they can void your insurance policy. That means they can go back to day one, refund your total premium and not cover you for any thing that might have happened in that period of time.

How can they tell if you lied. If you have an accident one of the things their appraiser/adjuster is required to do when he inspects the damage to your car is record the mileage. So if that information shows you lied to them you could end up not being covered for the accident that just exposed your lie.

The last thing I would be doing is asking if you can lie to your insurance company on a public forum.

Here's the issue. If you get in an accident in less than a year from now and you have 8,001 miles on your car, they can deny your claim. The mileage you report is obviously an "estimate." No one can tell you exactly how many miles they drive in a year. They may not deny a claim for 8,001, but say 15,000... that's a different story. Surely there's fine print associated with the "How many miles do you drive a year?" question, but it's likely buried deep in some legal document that comes with your policy.

Technically yes, but it's completely possible to fight in court should they choose to try and charge you for it. They simply ask you an estimate of how many miles you'll put on the car, NO ONE could possibly know how many miles they'll put on their vehicle for sure ;P:happyanim:Therefore you can simply state you had no idea or any intentions of putting xxx amount of miles. WIN :D

Of course you can lie. However, if you file a claim the mileage of the car will be checked. If you are exceeding the mileage that you told them you would be driving it may be grounds for them to deny your claim or cancel you.