Póliza de Auto PersonalPregunta 407 de 531
An insured inflates a genuine $2,000 physical damage claim to $9,000 with invented repairs. Under the general provisions of the policy:
a.Coverage is not provided to him for the whole loss
b.The insurer pays the honest $2,000 and closes it
c.The claim is reduced under the policy's fraud penalty
d.The insurer pays, then sues for the difference
Explicación
The fraud provision states that coverage is not provided to any insured who has made fraudulent statements or engaged in fraudulent conduct in connection with an accident or loss for which coverage is sought. The consequence falls on the whole claim rather than on the padded part alone, so paying the honest portion understates what the provision does. The policy carries no scheduled fraud penalty.
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