Lying to an insurance company

I've posted this elsewhere but I'll try my luck for an answer here as
well...

I'm just wondering if insurance providers have a central database that they
can use to check up and scrutinise driver's details - such as their claim,
speeding, criminal and insurance history?

When you make a general disclosure over the telephone, how would they know
if you're lying? Can they check up on you.

Consider this scenario.

Driver/rider has an 'at-fault' prang and, for whatever reason, insurer
refuses to pay. Can that same person go to another company and make the same
claim a while later? I know, it's insurance fraud, I'm just trying to get an
idea of how they work.

Once the claim is made, do they dip in to a shared databank to determine the
complete legitimacy of the claim?

Thanks.

Stuart.

 

I note that assessors are not stupid.

"So you are telling me this damage is only 2 days old are you sir?"

I also note that if the prang involved someone else then that other
person has a paper trail.

Zebee

 

Make sure you remove the locator device and the camera from the car or
they'll screw you up, down and sideways.

Dickhead.

justAL

 

I note that assessors are not stupid.

Just to clarify, I'm not talking about personal experience. It's purely a
hypothetical. I was talking to a friend about some software that would
accomplish this task so was just curious.

I'm just curious if the insurance providers have anything in place that
already achieves the same result.

I was referring more to pre-existing at-fault damage.

 

Most times when people ask a question with that sort of disclaimer,
it's usually for precisely the purpose of committing insurance fraud.
At least you're smart enough to try to figure it out before making the
attempt, and to make at least a half-arsed effort to hide your
tracks[1], so you're ahead of most of your future cellmates in that
respect. Well done!

Damien
GPX250 -> CBR600 -> F650/R1200GS (when the $$$ are there!)

[1] Did you hear about the case recently where some abused kid in
Canada made an anonymous post to a forum in Australia, and within the
day the Canadian police were knocking on her door? It's pretty easy to
track you down if they want to find you. :-D

 

Not that I'm aware of.
Insurance companies, like the taxman, don't necessarily know everything
that's going on all the time, but they do have dedicated investigators and
good lawyers who will investigate a small percentage of claims for
fraudulent activity. And if you get caught you'll get absolutely screwed.

The other trick here specific to motor vehicles is that the damage
assessment people know what they're doing and will be able to tell one week
old damage from 3 month old damage. Just remember that this is their job
that they do everyday and they see the same old scams everyday.

 

You'd probably want to move the bike to another state, because there's a
high probability of the same assessor looking at the bike twice.
You'd be better off making a not-at-fault claim against someone else's
insurance.

Nev..
'04 CBR1100XX

 

collecting that sort of information and then sharing it violates privacy
laws.

insurance companies cant check up on your record either, thats why they ask
you!

in the likely hood they can somehow prove that you have lied as they state
in their policy, they do not have to pay out.

in otherwords they are happy to take your money, but arnt happy to give any
back.

 

well, they can make it a condition of the insurance policy which they
sell you that you agree to let them share that information.

but aren't happy to give it back when they find out that you've lied an
cheated. The miserable bastards will do anything to keep the premiums
down, apparently.

Nev..
'04 CBR1100XX

 

Think again.

Well you're actually correct there.

As an example, here's a .pdf of the RACVs Product Disclosure Statement. Go to page 50.

http://www.racv.com.au/wps/wcm/reso...6/RACV_Motor_Insurance_Policy_pds_Current.pdf

The relevant part here is....

"When you provide your personal information to us.......you acknowledge and consent to us collecting your personal information from,
and disclosing it on a confidential basis to....

*our related entities
*our distributors
*other insurers
*insurance reference bureaus
*law enforcement agencies
*investigators and recovery agents
*lawyers
*any credit provider that has security over your property
*assessors
*repairers
*suppliers retained by us to supply you with goods and services
*advisers, and/or
*the agent of any of these"

 

hmm...a conviction for insurance fraud and you win some or all of the
below:-

* prob never get insurance coverage for anything ever again, or without
being faced by begging and increased premiums/automatic claim refusals etc.
* criminal record
* unable to rent a car
* unable to travel to certain countries
* someone's favourite bestboy on cold wintry nights in the cells
*restricted from certain jobs
* unable to obtain a loan

Grinning and baring the repair costs seems a pretty good deal now.

Find something that is worth the risk, I dont think a few thousand (oe even
tens of thousands) is worth it.

 

A-yup. The little confession you do on the phone is just so they can
work out what to charge you: when you claim, the call the Inquisition to
see if they want to pay out.

(Just another satisfied customer ...)

-----sharks

 

their was a big court case on just that type of information which failed!

only when they become an interested party, ie a claim, it costs them about
25 bucks for our reports and 99% of the time, they wont pay it you tight
arses, instead try to violate our policy and ring us up and blatently lie to
us claiming we have to answer their questions! if ya wana ask us questions,
go through the chain of command and pay the 200 bucks to interview us.

and why is it, when ever you ring us they sound like they have a stick up
their arse typing away and make us wait. we da cops, you wait for us mate!

i dont like reading!

 

not paying for petrol, driving off is a fraud case

as well one of your cheques bouncing too

really f's ya up

 

Where is the fraud? Surely that's just theft?

Nev..
'04 CBR1100XX

 

Or, in my case, an oversight. I pulled into a servo, filled up, went inside,
got a coke, mumbled something like 'and number three', handed over the BP
card, put in my PIN, put the receipt in my pocket, and left. Three days
later I got a call from the coppers saying I didn't pay for the fuel.
Checked the receipt, no I hadn't, only the coke.

Theo

 

No its called obtain a benefit by deception under the fraud category.

Its because when you rock up to a pump to fill up, your deceiving the servo
that your going to pay for the fuel or something.

The academy, my sgt, the prosecutor, the magistrate and I arnt all wrong now
are we, coz I done lots of people for it

 

m'learned friend beat me to it.

 

Most hop lifters who get stopped drop the goods and walk away so it's
not an often argued occurrence .

 

That's not really the point. I always thought fraud, as opposed to
theft, would need to involve some element of deception.. either the
fraudster pretending to be someone they were not, or using some device
or false promise to trick the victim into willingly handing over goods
or money. Driving off without paying for fuel doesn't really contain
these elements, any moreso than say picking an apple from a display
outside the greengrocer and walking off without paying for it.

Nev..
'04 CBR1100XX