Hi everyone, never been in this situation before and frankly do not feel very trusting of my insurance company. I received an email notification this morning that a claim was taken out against my auto insurance for an incident that occurred last October (exactly 5 months ago, to the day).

    There is no information on my online profile about the claim except the claim number and incident date. I immediately called my insurance company and he told me the incident was an alleged rear-ending so they automatically faulted me. I was routed to the adjuster on the claim and he told me this incident took place in a town about an hour away from me that I do not drive through. He said he would contact the party making the claim and get back to me, but I’ve since heard nothing back. The adjuster also claims that this shouldn’t “immediately” affect my insurance rates (hence the lack of trust in this company).

    What steps can I take to protect myself? I’ve read other threads from similar situations that said folks were still given a “no fault” accident on their profile. At what point do I make moves to escalate this situation?

    Needless to say, I’m frustrated that this is now my problem for an accident I was never involved with.

    What to do about a fraudulent claim taken against you?
    byu/leobabydoll inInsurance



    Posted by leobabydoll

    3 Comments

    1. Get your vehicle inspected at a shop to confirm no damages to your vehicle. Take a lot of pictures as well.

      It could be they just got the plate incorrect.

    2. Infinite_Pop_2052 on

      Someone can’t just make a claim against someone else for an alleged incident that happened 5 months ago, without a shred of proof. One thing I’d do now is document the condition of your car and get an alibi. What time did it allegedly take place and where were you? Do you have Google or something on your phone enabled to track your position at all times. Sometimes it does that without you even realizing that setting is on. I’d start coming at it from that angle and see if you have any alibi

    3. To clarify by “immediately”, no accident true or not affects your rates until your own policy’s next renewal.

      Can you ask him for the VIN he has on file?

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