Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Removing a claim from my insurance record

is it possible to remove a claim from your record, if you've never driven or owned the vehicle in question? I'm 24 and i'm not sure what happened. I noticed my insurance premium went far higher than normal. I also recently found out that my younger brother was in an accident a few months ago. In another vehicle that I don't own or insure. My father pays for his own cars and insurance. The only thing they had was his phone number after the accident which is tied to my account there, as it is under my family plan.

Aug 13, 2024 Salem, Oregon

Answer
Author profile picture
Ava Lynch
Director of Insurance Content

Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…

Credentials
  • 9+ years of Experience in the Insurance Industry
I would recommend getting what's called a CLUE Report. This is a comprehensive loss report. It would show your entire loss history with your name. Show this to your insurance company to prove you did not have an accident. This should remove the claim you are being rated for. Best of luck.
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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.

Compare insurance rates today!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Should I file a claim if I damaged my car backing out of the driveway but I only have liability?

If you only have liability coverage then you won't be able to file a damage claim. Your policy would need to include collision coverage at the time of the incident for you to be able to get it repaired through your insurance provider. Unfortunately, you aren't able to add any additional coverage af…
Aug 9, 2023 Dallas, TX

If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?

You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision. The only way to avoid causing an increase to your family member's poli…
Apr 8, 2022 Sacramento, CA

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider.First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed. Check with your specific company for their guidelines.Second, look at your car insurance policy to see what kind of coverage you h…
Apr 19, 2023 Austin, TX

I swerved to miss a deer in the road, wrecked my car, and now my insurance company is saying that I'm considered at fault. Why is that?

Hitting an animal in the road falls under the category of a comprehensive insurance claim because animals do not follow road laws and can't be expected to avoid cars or roadways. It's the same general principle as hail damage. The incident changes to an at fault accident when you swerve to avoid th…
Jul 28, 2021 Newton, KS