My daughter bought a car but she couldn’t afford the insurance rates. Instead, I put the insurance policy on the car under my name and recently, my daughter got into a car accident. Now the insurance company is investigating who the primary driver is. Are we breaking the law?
Question
Lying about the primary driver on a car insurance policy wrong
Agent Answer
It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony. If you are convicted of insurance fraud, it will be extremely difficult to get insurance going forward. Since your daughter is technically the primary driver of the car, she would need to be listed as a driver on the policy. If she is not listed or is excluded, your car insurance company may not pay for the claim but at least they will not come after you for fraud.