Did I commit auto insurance fraud?

Technically, it is insurance fraud since you filed the claim with the new company. Since the incident occurred when you were under the coverage of of your previous policy, that should be the carrier to pay the claim. In the state of Texas (where I am licensed), you have 365 days to report a claim and even if you are no longer being covered by the company you were with when the incident happened, they will have to honor your claim because you paid your premium for that month. Just like anything else you purchase, you are exchanging monies for a service and you exchanged your monies for that month, therefore the original carrier should provide the service of paying to repair your windshield. I would not worry about being penalized for your actions though. I would say that the worst that could happen would be that you might receive a bill for the amount paid. I believe that the reason your old carrier is calling you is because you claim is being subrogated. Your current carrier probably already has suspicion that the incident occurred before you obtained coverage with them, therefore they are calling your previous carrier to find out if you ever called in for a similar claim. If they find out that the same type of claim was attempted or made, they would probably bill your previous carrier for the amount of the repair, which is why they would now be calling you. If your previous carrier does not give in and pay your current carrier, there is a possibility they may bill you for the repair. Again, I am licensed in Texas, and in PA it might be handled completely different, but just giving my two cents.