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five most common fraud claims that i personally have seen being over a decade in the insurance industry the number one is the vehicle registration if you own the car and your name is on the title and its registered to you you were the only person that can insure the car you can put as many drivers on the policy as you want thats not a problem theyll let you pay as much as you can but the case is if youre the owner you need to insure it you cant put it under somebody elses policy now there are some caveats where the legal guardians can in most cases have them listed on the policy and thats more of a company per basis but 8 out of 10 companies are going to say no way unless your parents are added to the registration then you cant have that insurance you have to have your own thats just because the law is you cant make a profit on insurance and if i didnt own the car and you paid me for the claim im making money am i going to hand it to you probably but if i walked away with t