Should You Lie To Your California Car Insurance Agent For a Better Rate?
Reader question:
Is it okay to lie about certain things in order to get a good auto insurance quote in California?
Mary
Thank you for your question, Mary.
Like they say, if you tell a white lie, it will turn into another white lie, and before you know it down the line, you will have an entire system of lies that you will need to control and remember. It’s never an idea to lie, especially when money is involved. While it is true that many people get away with it, many more get caught, and when you get caught out telling a lie it often ends up costing you more than you saved.
- Represent, don’t misrepresent.
Normally, car insurance companies have sixty days after they have given you your CA auto insurance quote and you have bought a policy in which they will be able to cancel your policy without any problems. This period gives them to research your insurance background, look at your CLUE report, credit history, and so on so that they can make sure that you are someone they want to insure.
However, if you misrepresent your information, then you can have your policy canceled anytime. For example, if you lie about a previous insurance cancellation, then if your car insurance company that had canceled you does not report it right away, your new car insurance company might not find out about this cancellation during the sixty days that they during which they are looking for your information. After the initial sixty days, though, car insurance companies will usually look at your information again after they have given you your six month CA auto insurance quote, so if they find it then you might not have your policy renewed because of the bad information.
At times, lying to your car insurance company can get you in even more trouble. For example, while members of your household are covered on your policy, if your teenager is driving your car regulalry and you hadn’t added him to the policy to get a higher CA auto insurance quote, then if he gets into a car accident you might have your claim denied.
Cheers,
Fashun Guadarrama.
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