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Yes your ex has committed a fraud.
You can notify the insurance company that:
1) She is not and was not your spouse at the time of the accident.
2) That the Court Order directed her to obtain her own insurance.
3) That you are not responsible and you will: a) File a complaint with the State Insurance Commission and
b) File a small claims action against the insurance company for the amount being billed to you. (You can also sue your ex for this amount.)
4) When you notify the insurance company of the above include a copy of the Order.
Copy the Insurance Company's Fraud Unit on your letter and the Company's General Counsel.
Send the letters Certified Mail.
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