What happen if car insurance thinks you had fake accident?

If you filed a claim against them, they will drop you, and you will quite likely be 'blacklisted.' and find it verydifficult and/or very expensive to get re-insured.

Legal Ramifications of Insurance FraudAdditionally, If the company has sufficient evidence of Fraud, They could turn it over to law enforcement for criminal prosecution. Insurance fraud is considered a Felony offense in the United States with penalties of up to 20 years in prison if found guilty.

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