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Auto policy lapses, Pennsylvania driver allegedly lies about crash

May 15, 2018, Larksville, PA — A borough woman is facing insurance fraud charges after police say she lied about a crash that happened during a lapse in her auto insurance policy.

Amy E. Ellard, 43, of 435 Carver St., is accused of filing a claim with Progressive Corp., knowing that her policy was not in effect at the time of the crash.

According to the complaint, Ellard’s insurance policy was canceled for non-payment on Jan. 19. On Feb. 18, Ellard reinstated her policy, completing a statement indicating her vehicle had not been damaged during the lapse, according to the charges.

But investigators say Ellard’s daughter had been in a crash prior to her reinstating the policy.

During questioning, Ellard initially claimed she had not known that her policy had been canceled at the time of the crash. But she later admitted she knew the accident had happened when she reinstated the policy, the charges say.

Asked how her insurance information got on the police report, Ellard told investigators she sent a picture of her insurance card to her daughter’s cellphone, according to the complaint.

Police charged Ellard with a felony count of insurance fraud. During a hearing Tuesday, the Northeastern Pennsylvania Insurance Fraud Task Force withdrew the felony charge and Ellard waived her right to a preliminary hearing on a misdemeanor count of insurance fraud.

Magisterial District Judge David A. Barilla released her on her own recognizance pending a dispositional hearing on July 5.

Source: The Citizens' Voice

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