Can My Car Insurance Sue Me? 
This is not legal advice . Anytime you intend to defraud a company or an individual you are subject to being sued . For example if you said you were operating your car when it struck a tree when the truth was your brother was driving the car , his license was suspended and you had signed a form excluding him from coverage , you could be sued , particularly if the company had settled the claim before they discovered your deceit . 