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

What happens if someone makes a false car insurance claim against me?

I was in a car accident in a parking lot. Someone backed into my car while it was parked. I got their insurance information -- they admitted fault. I later got a call from their insurance company claiming I had hit them. This is ridiculous because my car was parked and it's clear they backed into me. 

What do I do?

Sep 25, 2019 Madison, WI

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…

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible. If fault is difficult to determine, call 311 and file a police report. If you have any of this information currently, it can be helpful.

At this point, I recommend contacting your insurance company immediately. Give them all the important information -- pictures of the damage, the other driver's name, phone number, and the insurance company. They will negotiate on your behalf and investigate the claim. In this situation, the claims adjuster should be able to determine fault quite easily by looking at the damage on both vehicles.

Below are some articles you might find helpful. 

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...

Should I file a claim for raccoon damage?

If you hit a raccoon, that would be considered a comprehensiveclaim. Your deductible would apply. You need to get an estimate for the cost to repair the damage. Once you have that you can decide if it is worth filing a claim considering your deductible. You also want to consider your claims history…
Dec 13, 2018 Eugene, OR

What are my options if I am paying over $700 a month in car insurance?

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates. There are many factors that come into play when insurance companies determine rates. Your driving rec…
Jun 5, 2019 New York City, NY

How long into getting a new policy can I file a claim?

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damage caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You wo…
Dec 9, 2017 Charleston, West Virginia

Will GEICO increase my rates if I file a windshield claim?

This is a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have. In general, a windshield claim will affect your rate but not as much as a collision claim will. Companies consider the amount paid out on the claim when determining rate increase…
Aug 4, 2018 Charlotte, NC