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Someone gave me the wrong insurance information after a claim

So, there's a couple of parts to this question. Someone hit me in a parking lot and the damage was so minimal we didn't call police. We took pictures and exchanged information. Later I realized they gave me a insurance card for a policy that doesn't start for 5 days from now. I am afraid that this person may have done this on purpose to take advantage of me. What do you do?

Jul 31, 2018 Machesney Park, IL

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

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

I would first try contacting the insurance company they gave you. It could be they are using a new card they received for their policy renewal that hasn't started yet. If they truly did not have insurance at the time of the accident, they will have to pay for the damages out of pocket. If that is the case, you might need to take legal action, if they are not willing to pay. If you have insurance, you will also need to report the accident to your insurance company. They will be able to take care of everything for you. For more information, see our guide to the claim filing proccess. Good luck and if you have any other questions, don't hesitate to ask.

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