When the damage happened before the policy was in force.

A man is charged with insurance fraud, car title application fraud and obtaining property by false pretenses for pretending to be the lienholder on a vehicle.

It provides insurance protections for affected consumers.

It will affect nonrenewal rules in personal auto policies.

Staged accidents and phony injuries lead to trouble.

They are civil penalties and not moving violations.

When multiple claims for the same damage end up in charges.

Insurers are required to file updated forms.

Required for auto and homeowners insurers.

Filing a claim with a date that doesn't match police records turns badly for the insured.