Criminal charges for filing a false claim with my new insurance company?
Am I likely to face a criminal charge for failing to report a pre-existing condition to my new carrier and then claiming it as new? This is a weather-related claim. Natural causes. A genuine claim, just terrible insurance coverage. Switched to the new carrier and didn't report it. Now reported it and all seems well to be covered with zero deductible. No penalty against my premium. Should I be skeptical it's all a little too easy? Furthermore, it is set to be repaired by the very same shop I initially got a quote from to repair the damage out of pocket. The day I took it into this shop was the exact say my coverage began with the new carrier. Although I claimed the accident just happened a few days ago, not a few weeks ago. Should I be concerned and not go through with the claim? It's not worth criminal charge if that is a real risk. Thank you.
This is considered insurance fraud. You do not want to file the claim. Since your current insurance company was not in place at the time for the damages, they are not responsible for the damages. Contact your insurance carrier right away. I'm not exactly sure what will happen next - it can vary by your company. Good luck and if you have any questions, don't hesitate to ask.