Is this auto insurance fraud?!?!?!?

Question:

My girlfriend recently got a new "used" car and her driving record is not good, well she checked around for insurance for the vehicle and the best she could get $202/month with $350 deposit. So she started her new insurance and had that all settled. Well about 2 weeks later they called her back, apparently the guy did not disclose all of her information, so now, after shes already signed for her 6 month premium, he wants a $1500 deposit on top of the 350, and over $700/month. She cancelled a couple days ago and got a lot better, however, after 13 days of insurance, they are refunding some of her money, and keeping the 350 deposit, is this legal? Any help would be great.

Answer:
Insurance companiesn ARE frauds.

But, how many accidents did your girlfriend cause? 34?

See exactly how much she paid. If she paid a $300 deposit and only kept the insurance about 15 days then she would receive about half of it back less any agency/policy fees that they charged her to start the insurance. Companies can only keep money for the time they provided coverage ( In Texas anyway).

This may be a little dicey. I am not sure what you mean by he "did not disclose all of her information". Do you mean he didn't give her full information, did not disclose it all to the insurance company, or didn't get enough information from her in the first place? You don't say where you are, but here we have a Superintendent of Insurance. Look up the equivalent in your jurisdiction, and put your girlfriend in touch with him/her.

It may not be insurance fraud but it could be business fraud. The "deposit" probably represents the first month's premium which bound the insurance. She should receive back the prorated amount of premium that represents the unused days of coverage. Go in and see the agent and ask for a detailed explanation of why your girlfriend isn't getting back all but two weeks worth of insurance coverage. The agent should be able to show you in mathematical terms how the refund was calculated. Take a note pad and write it out. Then call your state's insurance commission if what the agent tells you doesn't make any sense and file a complaint. There should also be a state licensing and registration department for insurance agents and you can check with them about filing a complaint if you feel it's warranted.

Is this auto insurance fraud?!?!?!?

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