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Lie to your insurance company = no insurance coverage

I posted an opinion of a judge from the Circuit Court of Virginia Beach in our library. Basically, Ms. Rogers had sued for the injuries she received in a car wreck.  The insurance company for the defendants said, "We don't have to provide insurance to these guys because they lied when they applied for insurance."  The court agreed with the insurance company, and the result was that Ms. Rogers could not get any insurance coverage from them. The defendants were responsible for paying for her injuries out of their own pockets.

I posted this article for two reasons:
1.  Never, ever lie when applying for insurance coverage.  The defendants in the Integon case I posted in the library may have lied to save money on the premium.  (They did not disclose a youthful male driver in the family.)  The insurance company said it would have probably provided coverage even with the knowledge of the additional driver but it would have charged a higher premium.  Instead, the court said it didn't have to provide coverage at all. You don't ever want to be in a position where your insurance company can deny coverage for damages you cause.

2.  Things are not always what they seem.  If you are hurt by a careless driver, it takes an experienced Virginia insurance lawyer to figure out what insurance coverage may apply to cover your injuries.  Insurance companies are different; they have different provisions in their contracts.  Each automobile insurance policy is really several contracts that have different rules and definitions and time limits.  An experienced Virginia insurance lawyer can investigate the facts and figure this out for you.