What is at risk by being dishonest? – Case # 2 – changing the date of an accident?
After the accident, he insured the car failing to notify the insurer that the car had pre-existing damage.
A year to the day after the first accident he rang the insurer and reported the loss as if it were on this day. He changed the date on the towing invoice so that it matched the date he was now claiming the loss occurred. By being on the anniversary of the real accident date it meant he only had to change the date from 2011 to 2012.
The insurer elected to investigate the loss as it was a single vehicle accident at first concerned that alcohol may have been a contributing factor. The trained insurance investigator picked up the slight change on the invoice, rang the tow truck company and the true date of the accident came out.
The police officer is now, with some justification, worried about his reputation and his career.
The lessons here is that you should not drive any vehicle that is not insured. What if the police officer had hit another vehicle? You may recall the article I wrote on 4th March where I explained that someone thought they would save 2 days insurance and let one policy lapse on a Friday and started the new one on Monday because he was not going to drive the car and it was stolen out of his shed on Saturday night. Refer A lesson in going without insurance
Secondly, now that he has been found out, I am sure the police officer regrets ever coming up with the scheme to rip off the insurer. If you do not follow the life mantra of always acting with Utmost Good Faith, just picture yourself if you were caught out and what is at risk.
A lot of people are credited for the saying: “It takes a lifetime to build a reputation and only a few seconds to destroy one.”