Question
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?
Answer
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.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.