civil-law nevada
Is it damages to cause someone&#39;s premiums to increase?
<p>I bought a car as an "or" title with someone. She signed it over to herself without telling me while I paid the insurance. So I think there are damages there.</p>

<p>Additionally, which is what I am asking about, she got in an accident that doubled the premiums in all my policies. Is this also damages? Can I sue her for frauding the insurance as well as (apparently deliberately or carelessly) causing my premium to increase?</p>

<blockquote>
  <p>Is it damages to cause someone's premiums to increase?</p>
</blockquote>

<p>Yes. That increase of premiums reflects that the insurer now considers the insured less reliable (i.e., riskier exposure). Such lowering of the insured's reputation as a result of other's fault is actionable, at least on equitable grounds.</p>

<blockquote>
  <p>Can I sue her for frauding the insurance as well as (apparently deliberately or carelessly) causing my premium to increase?</p>
</blockquote>

<p>You could sue only for the latter.</p>

<p>It is unclear what you mean by "<em>[de]frauding the insurance</em>", but only the insurer would have <em>standing</em> to sue her for any claims sounding in insurance fraud. At first glance, her act of signing the title over to herself (thereby excluding you) ordinarily seems irrelevant from an insurance standpoint. </p>

<p>You would need to check whether the insurance policy imposes on the insured the condition that the name of the insured and the name of the policyholder be the same. If that is the case, you as policyholder would be responsible for the discrepancy, since you are the one who made to the insurer any and all representations at the time of screening your profile and signing the policy.</p>

<p>In the event of insurance fraud caused by either you or her, it is likelier that the insurer would sue you, in which case you would need to either file what is known as <em>third-party complaint</em> or file a motion to add her as co-defendant in the insurer's complaint. Identifying which alternative is better will depend on the particulars of the case.</p>

<p><a href="https://www.avvo.com/legal-answers/other-driver-lied-to-police-about-vehicle-ownershi-619339.html" rel="nofollow noreferrer">https://www.avvo.com/legal-answers/other-driver-lied-to-police-about-vehicle-ownershi-619339.html</a></p>

<p>Similar case- the lawyers say that the lie discredits the defendant (although they don't say whether that specifically is a damage)</p>
