this morning i woke up to go to work got in my car and all i see is wires hanging from the cage where my head unit once was. The radio was a supertuner 2 that came with my car when i bought it from a dealer but the insurance company doesn't know that so when i call to get my insurance money back for the loss should i say it was a head unit with much more value than it really was just give them the model number and **** of one that costs more cuz i have no receipt saying that i purchased this radio aftermarket so they dont know whats in the car???!!!

If anyone done this please reply to tell me if it worked!!!

 

so, you are asking if anyone has commited Insurance Fraud?

 

yes, make it worse for all of us.

 

I have to agree with Rider69 and alcoholiday - Insurance fraud screws everyone over. Why the hell do you think insurance prices keep getting jacked up? Every a$$hole who decides 'I can get a couple hundred extra bucks out of this' affects MY rates and everyone elses who doesn't feel a need to screw someone over (and don't give me that crap about 'it's not your insurance company', or 'they are screwing me so I'm screwing them' - you're being part of the problem by saying that), so don't be surprised if there are those of us who are pissed off by the suggestion.

Oh, and if you think that there is no benefit to an honest, conservative approach with an insurance company - I am a member of the engineering association here in Alberta. When my wife and I got married, I, with 2 accidents still affecting my rates, as a member of the association (a large group of conservative cautious people who as a whole have good insurance records), had rates that were significantly lower than hers as a female (lower rates), older than me (lower rates) with no accidents or claims (lower rates). Her rates with my company were higher than my rates with my company.

 

Why don't you contact the dealer, they should have some sort of record of what they sold you. Atleast they could vouch for it being in the car...?

 

Why bother even going through insurance. Depending on how much you're comprehensive deductable is you'll probably pay more than the replacement value. This is a big part of why insurance companys jacked up the deductable rates...too many theft claims. In Canada any way.

 

Give us your policy number while you are at it. Ok heres the skinny. Why tell em you have a 200 HU when the factory one is like 400? Lemme tell you on my invoice for the car I got the 6 disc changer plus cassette. What a piece of crap. Anyway the dealer sell replacements for 500 bones. So I sold it to a guy on Ebay for 100 bucks. It got damaged in shipping and I was able to file a claim with the USPS for $500. So I banked on the whole situation. Lesson factory is always overpriced and If you say you have that you can bank.

 

well.. my deck was also stolen as well as my radar detector and eveyrthing else "Electronic" in my car. i gave my insurance company all the model numbers and recipts (or boxes that it came in) and they got a total, keep in mine i did it truthfully, but i still got better products in the end ebcause my deck and detector were out of date and i got the same amount of money back as i did when i paid for them.

 

www.statefarm.ca

Yes we do have State Farm, anyway that's not the point. Everyone will pay in some way or other for insurance fraud. Insurance companies don't pay claims with "magic" money, they get that money from policy holders.

Personally, I hope they catch anyone who commits insurance fraud. Try getting insurance after that....

Just my thoughts... (and I guess the thoughts of anyone who complains of high policy premiums).

 

Insurance fraud is just plain wrong. Might as well go steal the new audio equipment you want from the store, it's pretty much the same thing.

By the way, insurance fraud is a federal offence.

 

I was responding to this statement you made here:
No, as long as he didn't state that he had items that he did not have or overstate the price of replacing the equipment.


Insurance companies don't make you pay for how much you use. They make you pay for how much of a risk you pose. If we had to pay back how much we use, some of us would be paying nothing.

You need to understand that since you got into an accident and I am going to assume, correct me if I am wrong, that it was your fault, you have become a greater risk to them. See this time you only cost $1500 worth of damage but let's say next time you cost $100,000 worth of damage are you going to pay them back for all of that? Do you think they will raise your insurance payments to $5,000 a month? No. What if you switch insurance companies or cannot drive anymore? They will never see another penny from you. Insurance companies don't just pull rates out of thin air. they have many statisticians that just crunch numbers all day figuring out what rates would cover their losses, make them money while not being too high that people would switch to a different company. If you don't like your rates switch to a different company.


Hey it might not affect everyone's rates much but every little bit counts.


If I could do something about drunk driving I would. I would ban them from the roads forever. But you cannot justify committing insurance fraud just because there are drunk drivers on the road. That type of reasoning doesn't work. So by your reasoning I should be able to rob banks then because there are people around murdering other people and murder is worse than robbing a bank? You cannot justify it that way.

Insurance fraud is a crime and that's the bottom line.

 

I could definetly tell you for a fact that it is the medical part of insurance fraud that is costing you. My wife tests people after they have been in accidents to see if they can go back to work and MY GOD is there ever a lot of fraud, usually three people a week are outright fraudulent. But unfortunatly the insurance company isn't innocent when they order expensive MRIs and psychologists for people that have broken a wrist. And if you get hurt and are on disability watch out, you are probably going to be videotaped. Actually forget that, once in a while I get to see them and they are hilarious.

As for your head unit chances are they will ask you to go to a store and see what replacements are available, good thing is even if it was a year old you will be getting a better H/U for this model year.

 

dunno if you got it resolved or not, but for some reason, insurance companies pay more for stock radio/hu. dunno how that works out. but it does.

 

If i tell the insurance company that the head unit that was stolen was a new head unit that came out this year but i tell them i had it come with the car do u think they will find out that the head unit was not released until this year becuase i got my car last year when the head unit wasn't released yet!!!!?????

 

Yes speeding is illegal but insurance fraud is a federal offence. But you are right though it's how you choose to live.