I'll try to make this short, but there are a lot of moving parts. I don't know where to turn.
My ex-boyfriend got us joint insurance when I purchased my new car (both our cars were on the insurance, but as separate drivers on our own vehicles. His sister is an agent for travelers and got us a good deal. We broke up, but I remained on the insurance. In December of this year, he told me his ex wife borrowed his truck and was in a fender bender (he said it wasn't a big deal, just a hassle, yada yada) – We were still on speaking terms at this time.
Fast forward to now, and I decided to get my own insurance to be done with all communication with him. In getting quotes it is showing up that I WAS the one in the accident in December… I wasn't even in the state! My new quotes are THROUGH THE ROOF!
His sister said she didn't know why and to handle it myself. Well, I got the "accident claim" And my name was listed along with his truck. There isn't an accident report because I guess they just exchanged insurance information (MY information) and said I was the person it was falling on. $2,900 in damages were paid off.
There isn't any record of the other driver or an accident report. What can I do? Thank you in advance.
Insurance agent fraud. What do I do?
byu/ConcertOdd5999 inInsurance
Posted by ConcertOdd5999
11 Comments
If your name is on the policy it will show up on your insurance record. Check your DMV driving record if it is on there something is wrong.
If you are the owner or insurance policy holder it will show up on your insurance record no matter who was driving.
Would need more information but if policy was written in your name the accident may stay of your record. Depending on the company. Some will attribute it to the other driver but may need to be manualy done. Get all the information you can and call Travelers. Get the number for the claim rep for that accident and call them. Again…i dont have all the information but if the policy paid out and you are the named insured or even a secondary insured you may be stuck.
Contact travelers and figure out what information did your ex boyfriend provided. I’m going to assume your boyfriend lie to his insurance company stating you were the one driving. You want to contest this violation. Try to see if you can prove on the date of the accident that you were in a different place at the time. Not sure why I put state.
Also you shouldn’t communicate any further with your boyfriend and the sister. They may be in this together so his rates don’t increase. The sister may be playing dumb or looking out for her sibling.
The real fraud part is you staying on his policy and being a non-resident, non-cohabitant, and doing rate evasion.
This.
lol moi
Regardless of this accident “showing up on your insurance record,” the fact is that you weren’t involved in the accident and your driving record rating factor should not reflect the accident.
This could be a simple mistake. No need to jump to conclusions. Contact the insurer and find out what’s going on.
Ouch
There is no insurance agent fraud in this scenario
What does this even have to do with the agent? Why did you stay on the insurance policy after you broke up with your boyfriend?
It sounds kinda like you committed fraud on accident