ULPT request: Can I get away with telling my insurance company the car accident I was in was a hit and run?
Posted by Healthy-Sun3407@reddit | UnethicalLifeProTips | View on Reddit | 39 comments
Got rear ended today. The girl who did it doesn’t have insurance or much money. I’ve been in her situation before and would really like to pay it forward and let her off the hook. However I also need to report the damage to my insurance and get it covered. If I tell them it was a hit and run, is there any way that will come back to bite me in the ass?
Lewca43@reddit
Do her a favor by letting her feel the repercussions of her actions.
I wonder if a homely young dude would be getting the same treatment. This is icky.
Healthy-Sun3407@reddit (OP)
I fail to see how it’s icky? I’m a girl about her age who’s been at fault on car accidents so I just empathize with her situation
Lewca43@reddit
You know what, you’re right…I’m wrong. Based on your description and the experiences I’ve had in the past I made assumptions and that’s on me.
Putting aside everything else, don’t commit insurance fraud. The chances this comes back to haunt you aren’t significant particularly when it’s almost guaranteed the insurance company can find video if they choose to investigate. Cheers.
JerkyMcFuckface@reddit
Here is some for real advice. You can get away with defrauding regular people. All day. Look around. You CANNOT get away with defrauding a bank or insurance company. Their personally owned politicians have ensured this with laws and enforcement seldom seen when corporations defraud citizens. You steal $1,000 from an insurance company, they’ll hang you with 6 figures worth of life damage.
Meanwhile, a business (think Wells Fargo, or Nationwide) can steal a billion dollars from tax payers, get caught, pay 300M to layers, get fined 500M, and still profit to the tune of 200M.
You want real unethical tip in this instance? Have her cleaning your house every other week for a year at an agreed upon price or you call the cops and she can deal with not having insurance.
DegaussedMixtape@reddit
THIS is the answer. She is cooked if you report her to the cops. Come up with an amicable solution between the two of you that doesn't involve the authorities or insurance and you both end up ahead. She is going to have to do a bit of heavy lifting to get out from under the debt, but she would have had a tough road to hoe if she had to work through the driving without insurance ticket too, why not be the personal benefactor?
IWasJustThinkingofU@reddit
Because she will make three payments then stop.
NullGWard@reddit
Why would she make three payments? After OP commits insurance for her and she makes one payment (if he’s lucky), she will have pretty decent blackmail material on him. No reason at that point to make any more payments.
Healthy-Sun3407@reddit (OP)
I think this is the way and what I will do!
dogbolter1@reddit
She can be your butler Jerry!
mollyringwald420@reddit
lol why is it the worst drivers never have insurance. If I had no coverage I wouldn’t just go around hitting people but hey that’s just me
rtmfb@reddit
Because they're uninsurable so they just say fuck it and drive anyway.
Kyru117@reddit
I mean if you live in America it's basically drive or die so I understand why people choose drive
tooclosetocall82@reddit
Because it becomes too expensive thanks to their many accidents.
IWasJustThinkingofU@reddit
Or they live in Detroit, where insurance is multiple times what it is in the 'burbs. Many places around here sell seven-day policies so people can complete the process then drop it.
GTholla@reddit
if you could just choose to not hit someone every time, they wouldn't exactly call them accidents would they?
Subject_Turn3941@reddit
Take the other driver out of the equation. Say you backed into a wall.
Insurance only wants to know who is at fault. That is you by default, unless you can pin it on someone else. If you don’t want someone else to take the blame, it has to be you.
krurran@reddit
If they drive off then you are not determined to be at fault. This happened to me, it was considered the other driver's fault and I was awarded damages. Then they raised my monthly rate 50% anyway
kaptainkoochie@reddit
I fail to see how insurance fraud in this situation would be considered unethical, lots of people on the comments here lack sympathy and compassion, regardless of what you decide to do I’m glad to see that you even considered this course of action to offer your fellow human a better outcome with their situation
friedrice33@reddit
Tell them you got into an accident and you were rear ended. Hopefully you have uninsured/underinsured motorist on your policy. That should cover the repairs. Your insurance company may sue her to try to recoup losses.
TheIronSoldier2@reddit
No. They will almost certainly find out. Hit and runs and uninsured motorists all fall under "uninsured motorist coverage." If you don't have that, you won't get shit from your insurance regardless.
Driving without insurance is a fucking boneheaded move. Honestly, I don't feel much sympathy when someone causes an accident but doesn't have insurance. Call me heartless, but if you can't afford insurance you best be driving stupid safe.
STAT_CPA_Re@reddit
Why screw yourself by committing insurance fraud in order to help a stranger? Her actions are not your responsibility
Healthy-Sun3407@reddit (OP)
The point of this post was to see if there was a way to do it without screwing myself
HBThorburn@reddit
It very much can. They may ask for a police report, if they do, you'd be filing a false police report and committing insurance fraud.
Beginning_Service387@reddit
Yeah, just a lil felony to pay it forward. What could go wrong?
thesamiad@reddit
I had someone file a false insurance claim against me,nothing happened because she could’ve’truly believed’ I hit her car,you could easily find someone else with some damage and accuse them of hitting you b4 they call their insurer to claim,nothing would happen and they’d likely find in your favour if the other person hasn’t reported the damage (I nearly got stung when I hit a lamppost,you have to report any minor scrapes as anyone could claim you hit them)
FitCaptain1008@reddit
I've done it. Didn't have any issues
Several_Dimension636@reddit
Same .. these comments are nuts lmaooo
FitCaptain1008@reddit
Don't get me wrong, there are REAL consequences 8f you're caught. IF
insuranceguynyc@reddit
Yup! FAFO!
XemptOne@reddit
Your car insurance likely has an uninsured motorist clause, i had to use mine once and there was no police report... but the other dude had insurance that was determined to be invalid, so not sure how it will work for you...
going-for-gusto@reddit
You think insurance investigators look for footage of the accident? Definitely not worth it on your part.
ZombiesAtKendall@reddit
Probably not a good idea. What happens if insurance asks for a police report?
SoapyCheese42@reddit
She must have been hot
aftcg@reddit
Most underrated comment
Icy_Huckleberry_8049@reddit
that's a trip to insurance fraud - then it becomes even worse for you and them
National_Panda700@reddit
So your willing to commit a felony for no reason other than the person who hit you has no money? Perhaps take the retainer from your future legal fund and pay her deductible….
kingladislav@reddit
You're insurer will end up paying out whatever happens.
If shes that poor she wont have any assets for your insurer to recover costs from.
Notdumbtom@reddit
Insurance companies are much better at keeping money than paying out. They will investigate. Filing a false police report plus insurance fraud is more than unethical.
Nervous_Mulberry9064@reddit
Regardless of what you tell them, if you don't have uninsured motorists coverage you'll be paying out of pocket anyway so you might as well be honest.