[Ricapar]

It's about intent. If they can prove you manufactured data you fed to the dongle, then you're probably in for some trouble.

However, you can have a similar scenario where maybe I work at an office 5 minutes from home over the time I was carrying the dongle, I quit and go to a job 60 mins from home that crosses a few nasty neighborhoods, etc.

Is it my burden to report this to the insurance company so they can jack my rates because my risk rating surely went up?

Right now.. it likely isn't. I fear for the day when it is.