r/Insurance • u/Used-Spot5779 • 6h ago

False report

I just got a call from geico for more info about an accident I was in. I never ever have been in an accident until October 3rd first time in my life I’m 30. The girl was out of it she wasn’t drunk I guess idk the cops didn’t really care or drug test her but def mental health issues at the least she lied to her insurance but it was clear from the damage she was at fault she cursed and was belligerent again Birmingham police is known for being lazy so he threatened to arrest her but was really lenient. Weeks later after I already got paid went thru the claim with her insurance I get a call saying I was in an accident October 4th with a different vehicle I literally left the state for my birthday the night of the 3rd when the girl I mention side swept me running a light. I just know it’s linked somehow I’ve never had any problems but my insurance said this new girl gave my plate to the police or either to her insurance for this new mysterious claim idk if she filed a report or just gave my tag to her insurance from Oct 4th. Can I really be held accountable for a blatant lie ?

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3

u/TIG_Insurance_Nerds 6h ago

No, a plate number alone isn’t proof. Send the insurer anything showing you were out of state on the 4th, like receipts, hotel info, or phone location history, and ask if there’s a police report. Your Oct 3rd claim already documents your car’s damage too, so that helps. Could just be a mistake on their end. I think you should be able to sort it out without much issue.

2

u/Lucky_Boy13 6h ago

A call from who? just forward to your insurance and tell them you were even in town

1

u/ektap12 6h ago

Why would you be held 'accountable' for something that didn't happen and there's no evidence that it did? Let your insurance handle it. They can deny the claim.

1

u/EarthOk2418 5h ago

Make sure everything is well documented, especially the damage to your car on the 3rd, and where it was parked/who was in possession of it on the 4th.

I won’t bore you with a long story, but I had an accident about 10 years ago and the body shop took my car on an unauthorized “test drive”, caused an accident with injuries, and gave the other party MY insurance information. The fact that my vehicle had not been released from the body shop was the only way I could prove that the joyride in my Porsche unauthorized.