Legal Question in Insurance Law in Pennsylvania

Insurer's Legal Liability

I used a family member's address(not mine)to obtain reasonably priced auto insurance. Resulting in a $2,000 per year saving. Recently my mechanic provided a loaner car while mine was under repair. I signed for the car, acknowledging any damage would be covered by my ins.

The loaner was vandalized during my watch resulting in damage from being ''keyed''. The insurance company denied my claim. They believe I do not permanently reside at the address shown on the policy. Also, since I refused to give them a copy of by bank statements and lease agreement, they say I am not cooperating with the investigation. My driver license and voter reg. reflect the policy address.

Please advise what recourse I have. I want them to pay the claim, or return my premium since in effect I have been uninsured. Thank you for your time and opinion.


Asked on 8/16/01, 8:51 am

1 Answer from Attorneys
William Marvin Cohen, Placitella & Roth, P.C.

Re: Insurer's Legal Liability

You should consult an attorney, IN CONFIDENCE, to see how you can minimize your civil and criminal exposure for committing insurance fraud, which is a serious crime in Pennsylvania, and vigorously enforced.

You've just confessed, on the internet, to this crime, as well as trying to conceal the facts from your insurer's investigation. Their suspicions, you admit, are well-founded.

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Answered on 8/16/01, 1:31 pm


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