Clarification of Possible Insurance Fraud

[futurestepmom]

What is the name of your state?What is the name of your state? Louisiana

While they were still married, my Fiances ex-wife wrecked his pick up truck. The insurance company issued a check in his name to fix the truck. She signed the check, cashed it and went and bought another car (without his knowledge). The truck wasn't totalled and it was never fixed.

This was all done while he was overseas working in the Middle East as a DOD contractor. He had no knowledge of the wrecked pickup, insurance check or new vehicle until he returned to the US on his vacation.

Did she commit insurance fraud?

 

[Curt581]

While they were still married, my Fiances ex-wife wrecked his pick up truck. The insurance company issued a check in his name to fix the truck. She signed the check, cashed it and went and bought another car (without his knowledge). The truck wasn't totalled and it was never fixed.

Did she commit insurance fraud?

Based on what you've written... No.

There is no requirement that the money paid out on a damage claim be used strictly to pay for damages. The Ins Co. makes a payment based on a damage estimate, minus deductible. What the insured does with that money is his/her own business.

She was married to him, therefore the pay-out was community property, as was the insurance policy, as was/is the truck itself until the divorce settlement.

She clearly ripped him off, but insurance fraud?

Nope.