[Traditional_Ale]

Originally Posted by Cowboy89

The reason why you didn't need to send in any proof is because Insurance is an utmost good faith business. Meaning if you lied on anything material when you take out a policy it becomes null and void when you have a claim. Should you have large claim, the insurance company will research those things to try to minimize their losses. The reason why it's material is because post-secondary graduates and professionals are lumped into groups and their actuarials model the groups claim histories and forecasted claims and end up with a price based on the attributes of those groups of people.

Checking to make sure you actually are a graduate or a professional is the easiest thing an investigator or adjuster can do. Meaning that for even relatively small claims they can easily deny you and void the policy. If you lie about it all you're really paying your premiums for is insurance against a ticket from the cops for being an uninsured motorist should they pull you over, but not for any of the real reasons you have insurance.

Well said. Think it might help if we get Esteban to teach him how to play guitar!?