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How can an insurance company add an accident to your record that never happened?

I received a call last year from my insurance company asking questions about an accident my wife and I were never in. Different county, car color, and it just was not us. The only link was my wife’s first name in a police report. That is nowhere near enough evidence. As I said, it wasn’t even the same color car we have insured with the company, which they could have seen if they looked into it more themselves. Needless to say, a year later I just saw this “accident” on my newest insurance quote. How is this legal and did this cost me extra all year? I’m shocked by this, it just seems so wrong. Can they do this to anyone with insurance?

Jan 30, 2020 Medford, NY

Answer
Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle. If the company is uncooperative, you may want to dispute it with a company called LexisNexis. They are the ones that provide the most commonly-used accident reports on the market called CLUE reports.

If you have any questions, don't hesitate to ask.

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