If you hit a pothole but claim a hit-and-run, is that considered fraud?

My friend damaged her vehicle but told the insurance company it was a hit-and-run. I'm worried she's going to get in trouble. What can happen?

Feb 17, 2017 Buffalo, NY

Neil Richardson

Feb 17, 2017

It's very likely that the claims adjuster examining the vehicle will be able to tell the difference between damage caused by another vehicle and damaged caused by a pothole. If she is being dishonest with her insurance company then it's likely that they could deny her claim altogether. She could even face legal trouble for filing a fraudulent claim. I always recommend being honest with your insurance company to avoid any issues with coverage so she should consider letting them know what really happened.

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