Reply to Is it dishonest to use insurance payout for something else?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Okay thanks. I told my mother about this and she thought it was totally dishonest. "If you don't want to fix the car, then what are they paying you for?". I kinda reasoned that the money was due me regardless because the person hit my car. My mother reasoned that because this isn't an emergency (as in, I need to pay $1200 in order to not be evicted), spending the money on anything else is fraud. [/quote]

[b]You pay your premiums for a reason.[/b] Not dishonest. We've spent money earmarked for one thing on other things often. We've gotten credits for real estate transactions on inspection items we didn't actually care about then never did the work. According to your mother that would be dishonest too.[/quote]

Yes, people do pay their premiums for a reason and it’s not so that they can pay off other drivers’ unrelated debt. The driver who hit OP’s car will see a premium increase as a result of OP’s claim. He paid those premiums to mitigate damage or loss that he caused, not to pay off OP’s credit card debt or student loans.

OP, let your own actions serve as a lesson to you to drive carefully. There are a lot of other people out there who would be happy to file a claim against you in a hot second if they thought they’d get a windfall.[/quote]

Correct, the person who hit OP's car paid their premiums to mitigate damage. He caused the damage, whether OP pays to have it fixed or not. If OP decides to drive around in a damaged car, that has nothing to do with whether an insurer sees the driver who hit OP's car as more or less of a risk (which is what determines the premium cost).

I had a car once that was totaled in an accident where neither driver was found to be at fault. I took the payout and didn't buy another car for 11 years. Under your theory, did I commit fraud? Why should I have been required to buy a car if I decided I didn't need one?[/quote]

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