insurance policy has been declared void?

ur bf s.o.l. - bf 2 pay 5700

Here's the long answer - if your boyfriend was not listed on the policy and he was the main driver of the car, then your boyfriend was engaging in insurance fraud. Insurance companies are not stupid. They know people are going to think they are being slick and try this scam. So, it's pretty standard for insurance policies to have language in them that says if the car is provided for your regular use and you are not listed on the policy - then the insurance company can void the policy.

If you made a material misrepresentation on the insurance application - that is also grounds to void the policy.

A lot depends on where you live and the laws in your area. But, rest assured, insurance companies research coverage denials very closely. If they have denied coverage - odds are they have a very good reason and very strong grounds to do so.

Being slick sounds like a great plan ....up until it bites you in the fanny.

There are three issues here. The first is that your boyfriend is not insured and is liable for any costs incurred as a result of his negligence. Second, he is likely to be subject to a criminal prosecution if he is found to be uninsured at the time of driving. Third, if he was uninsured, and the other driver was at fault he would not be liable for the damage to the other driver's car. There is the difficulty of proving fault of the other driver without the assistance of the insurance company. They, of course, realise that they have no liability, and would have no reason to assist you in proving the other driver to be at fault.

There is still the possibility that the police may prosecute the other driver for driving without due care, or even a more serious offence. My advice is to see a solicitor and take his advice.

There are few motives for cancelling a coverage decrease back to challenge date. One is errors of omission, not revealing information that could desire to have been pertinent interior the issued of the coverage interior the 1st place. you have not stated what they gave as a reason, yet it somewhat is the main effortless one. And particular, while utilizing for a sparkling coverage, if there's a niche the place you're asked for the small print of any accident or declare interior the final 3 years, or however term, you will be able to desire to show any accident regardless of fault. Failure to accomplish that is reason to refuse a coverage, or, if it comes up after, reason to void it out. in case you acquire from a broking provider, you have somebody to speak to who has your interests at heart. in case you acquire on line, you do not.

Your statement here sounds confusing

If your step dad is policy holder, then he is the main driver, not your b/f.

So step-dad can't be policy holder and 2nd driver either.

That's why they've told you the policy is void and you and your b/f appear to have been economical with the truth

Sounds like he stands on the hook for $5700 to repair the other car.

Your question is too hard to follow. Keep in mind that Yahoo Answers isn't a text message so spelling things out helps us follow the questions.

bf pays the 5700. insurance comopany will not pay on a fraudulent policy, you already know this.

He committed fraud to the insurance company by fronting, nothing to stand on.