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.

Apr 7, 2018 Salem, Oregon

Answer
Author profile picture

Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

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. No phone number required.

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.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

How do I dispute a driving record with AAA?

Unfortunately, the only way you can dispute a claim on your driving history is to contact LexisNexis, which is the software company that houses the database for accident reports. Keep in mind, if your collision coverage paid for your claim, then it will still be listed as an at-fault accident.You c…
Sep 21, 2018 Los Angeles, CA

What is the statute of limitations to file a claim with GEICO in Vermont

Because of this, I recommend getting an estimate for the repairs prior to filing a claim. If the value of the repairs are less than the rate increase you would receive plus your deductible (so, $2,080 + $500 to $1,000), I recommend repairing the vehicle yourself. If you do file a claim, here is mor…
Jul 27, 2018 Barre, VT

What can I do about fixing incorrect information on my driving record?

It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history. A MVR is from the DMV and shows incidents where a police officer issued a ticket or wrote an accident report. A CLUE report shows claims filed with previous insurance…
Sep 23, 2017 Swedesboro, NJ

Will my auto insurance cover damage to a fifth-wheel camper, or should I use my RV insurance?

I'm so sorry to hear about your accident!  The best thing to do would be to contact your RV insurance claims department to see how they want to handle the claim. How this claim pays out will be dependent on the details of the accident. They can refer you to your auto insurance claims departmen…
Jul 21, 2022 Leakesville, MS