Virginia  |  Insurance Law

Legal Question

Asked on: 7/16/12, 1:34 pm

I would like to how serious of a crime of "Insurance Fraud" I may be committing. I fell asleep behind the wheel on a recent Saturday night. I hit the middle barrier on the interstate, causing my vehicle's airbags to deploy and suspension to be bent. At the time of the accident, I had liability coverage only. In a panic, I drove the vehicle (still somewhat driveable, no witnesses, police report, etc) to a nearby friend's house and left it parked. The next day, I updated my coverage levels to full coverage. I did not report the "accident" for another three days so it could be within the timeframe of "full coverage". Since the vehicle is now totaled ($6,800 total), the insurance company is thoroughly inquiring as to why I switched my coverage levels so soon before the accident. Their "Special Investigations Unit" is now involved, and have requested for my phone calls and texts within a certain timeframe. Am I dealing with a serious "Insurance Fraud" with possible jail consequences? Or will the insurance company more than likely just deny my claim? Note: There are NO witnesses, no police report, no tow truck, no proof whatsoever that I crashed on what day. Simply my word, and a few individuals who are covering for my story.

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