Hi, thanks in advance for any advice you can give me. I feel as if I have been unfairly arrested and it's costing me thousands and now possibly jail time.
Some backround, I am in NY state and was covered by progressive insurance.
Long story short I had a BMW M3 insured with them a few months ago, collison, comp, the whole 9 because I had a loan out on the car.
Like a dumbass, I canceled the collision on my car because it was astronomical (26 year old male, speeding ticket, BMW, do the math). As luck would have it I got into a single car accident with no property damage THAT night after I canceled. (canceled at 3pm, accident occured at about 1am following morning).
Since there were no witness, and me being even more of a dumbass, I claimed that the accident occured before I canceled my collison (estimate was about 8 grand in damage). There was no proof either way when the accident occured as there was no police report. I claimed I didn't report the accident when I canceled the collision because I lost cell phone service. I reported it after it happened, at about 2 am that next morning.
I gave that statement over the phone, and then progressive stalled and wanted me to give a court recorded statement with an investigator present. I hired an attorney and went. Well, it turns out when I called after the accident I said some stupid things, basically how I had cancelled collison before the accident and I was wondering if there was an extended grace period etc.
After my attorney and I heard my recorded phone calls, she advised me to just say I was confused, and in shock (which was true). It was also my sisters wedding that night which added to the confusion. I then gave a recorded statement saying I was confused and I think I might have cancelled my collision first. I said "I don't want to get charged with insurance fraud or perjury, so you can dismiss my claim. I guess I canceled my collision before the accident as I was in shock that day and don't recall."
Of course progressive denied my claim. I thought I was ok, after all , its all about money, right? Well, a few months later I get a call from the NYS insurance dept. They are charging me with insurance fraud in the 3rd degree, a class D felony! I never got a cent from the claim. I withdrew it that day on record. I told the truth that day on record. Why is this happening?
Any advice? This doesn't sound right. Maybe perjury, but insurance fraud. WTF. Please give me some advice, because I believe my lawyer is a dumbass. A 2500 dollar retained dumbass. TIA
Some backround, I am in NY state and was covered by progressive insurance.
Long story short I had a BMW M3 insured with them a few months ago, collison, comp, the whole 9 because I had a loan out on the car.
Like a dumbass, I canceled the collision on my car because it was astronomical (26 year old male, speeding ticket, BMW, do the math). As luck would have it I got into a single car accident with no property damage THAT night after I canceled. (canceled at 3pm, accident occured at about 1am following morning).
Since there were no witness, and me being even more of a dumbass, I claimed that the accident occured before I canceled my collison (estimate was about 8 grand in damage). There was no proof either way when the accident occured as there was no police report. I claimed I didn't report the accident when I canceled the collision because I lost cell phone service. I reported it after it happened, at about 2 am that next morning.
I gave that statement over the phone, and then progressive stalled and wanted me to give a court recorded statement with an investigator present. I hired an attorney and went. Well, it turns out when I called after the accident I said some stupid things, basically how I had cancelled collison before the accident and I was wondering if there was an extended grace period etc.
After my attorney and I heard my recorded phone calls, she advised me to just say I was confused, and in shock (which was true). It was also my sisters wedding that night which added to the confusion. I then gave a recorded statement saying I was confused and I think I might have cancelled my collision first. I said "I don't want to get charged with insurance fraud or perjury, so you can dismiss my claim. I guess I canceled my collision before the accident as I was in shock that day and don't recall."
Of course progressive denied my claim. I thought I was ok, after all , its all about money, right? Well, a few months later I get a call from the NYS insurance dept. They are charging me with insurance fraud in the 3rd degree, a class D felony! I never got a cent from the claim. I withdrew it that day on record. I told the truth that day on record. Why is this happening?
Any advice? This doesn't sound right. Maybe perjury, but insurance fraud. WTF. Please give me some advice, because I believe my lawyer is a dumbass. A 2500 dollar retained dumbass. TIA