It's half true. There's not really underwriting for auto policies like there is with life or home insurance. You register your rating rules with the state and

It's half true. There's not really underwriting for auto policies like there is with life or home insurance. You register your rating rules with the state and anyone who qualifies gets a policy. All the risk calculations and pricing are just look up tables and done automatically. Now if you are in line for a large payout the insurance company will definitely review your application to see if you lied. Significant lies will get your policy cancelled and no payout. So don't lie on any insurance applications.