I was at fault for a car accident a few weeks ago. As I was pulling my insurance information from my email, I noticed that I had missed some messages from Progressive about a missed payment, and that my insurance policy had cancelled due to this just a week prior. My panicked thoughts at the time were to reinstate my insurance as soon as possible, so I did so while police were speaking with the other driver. In order to do so, I foolishly electronically signed a statement of no loss without really understanding the full repercussions of doing so. I was notified a few days ago that my claim was denied due to not having an active policy at the time of the accident. I was also told I was to find another insurance company because I had falsely signed the statement of no loss.
My question is how likely is it that Progressive will pursue additional legal action against me, and whether this is something that will affect my policy with other insurance policies. I just purchased a new policy with Geico today. I admit I made a stupid decision in my panicked state and would like to know what to expect moving forward, as well as the best possible action I can take at the moment.
You have just admitted to insurance fraud in a public site.
If Progressive pushes it, it's possible you could be in legal trouble. However, it is highly unlikely unless there is more there.
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