Do I have to tell umbrella liability insurer about accidents I didn’t involve them in?

Same insurance company home auto umbrella liability for at least 10 years. Suddenly, I’m sent an ‘Executive Umbrella Questionnaire’ that I’m not even sure was really for me I think the agent was supposed to complete. On it they ask about accidents. In the last 2 years, my husband’s been unlucky one car totaled avoiding a deer crossing they paid on this claim one car totaled rear-ended by another driver I emailed agent, but no claim filed with them one car wrecked not totaled in single-car accident and we paid all repairs so they don’t know. Am I obligated to ‘confess’ the other accidents that they didn’t get a claim for? There is nothing on the questionnaire where I swear that I’m telling the truth.

Asked on December 18, 2017 under Accident Law, Georgia


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

If the questionaire asks simply about accidents and not specifically for claims you filed with this insurer, you have to disclose them legally. If you do not, and if you have a claim and the insurer becomes aware somehow that you had lied on the questionaire, that lie--that failure to disclose material information they requested--would constitute insurance fraud and provide a basis to deny coverage.

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