After your call with your insurance company, the insurance adjuster will investigate your claim. If they find out you lied, they may take any of the actions discussed below.
Deny Your Insurance Claim
Lying to your car insurance company about the events of a car accident may result in the denial of yourcar accident insuranceclaim. This could include lies about who was driving your vehicle, your speed, or the severity of your injuries.
It does not matter if you were only exaggerating; they will likely deny your claim. For instance, most rear-end collisions result in bone fractures. You may suffer broken wrists, which the insurance company may cover.
However, if you lie that you suffered other injuries, your auto insurer may refuse to cover any of your injuries, including your actual broken wrists.
Cancel Your Insurance Policy
Your auto insurer may cancel your policy after they discover you are lying. Cancelling your policy for non-disclosure will place you in the high-risk insurance category. This makes it more difficult and expensive to secure another insurance coverage.
Issue High Insurance Premiums
Insurance companies are for-profit businesses. They do not like working with people who lie and try to take their money. If they discover that an at-fault driver lied about not being responsible for an accident, the insurer will label them as high-risk drivers. As a high-risk driver, you will be required to pay more for the same insurance policy.
Georgia abides by the doctrine of contributory negligence, and your rates may increase together with your level of fault in the car crash.
Nevertheless, the insurance premium of a high-risk driver may increase even if they were not at fault but only told a minor lie about the extent of damages. To understand more about how these factors might affect the value of your car in the event of an insurance claim, you can read further details on our guide to the salvage value of a car.
