Today, I received via email and VM, from my insurer, the news that someone had reported an incident involving my car (listed by make and year, no plate number and no VIN) that took place one day last week. I was asked to fill out a form describing the incident from my perspective.
To my knowledge, no such incident occurred. The car is a standard transmission and I'm the only one in the house who even knows how to get it out of the driveway, so if any incident occurred it would have been on my watch, no one else's.
I called the insurance company to say this and to ask whether this might represent a kind of insurance fraud (I don't keep up on what scam artists are doing in this space that well).
The person I spoke with divulged more detail about what is alleged to have occurred, which is that my parked, unoccupied small sedan rolled backward into another parked, unoccupied car (a 2020 three-row SUV) and damaged it.
I did drive the car on the stated day, but the car was never in a location that would have allowed it to be parked, unoccupied, and rolling backward into another vehicle.
I asked how the other car's owner could have come to the conclusion that my car was involved without any information about my license plate number or VIN being provided. (Also note that there was no police report made by the other party, or at least not one provided to me or referred to by the insurance company).
The insurance rep guessed that they may have recorded things with a digit off (I don't see how that could lead to this outcome, but w/ev).
Insurance co asked me to go outside and take pictures of my car all the way around. I did this and sent them in. There is no visible damage anywhere on the vehicle. (I mean, it's a ten year old car, so it isn't utterly flawless, but there's no damage anyone would fix and not even a ding that conforms with the description given of this "incident".)
I sent these pics on and have called back the insurance company a couple of times to find out what is next, but so far they're not talking.
It was just so damn weird. Been driving a long time, never had anything like this happen. What's next?
Submitted September 09, 2019 at 06:02PM by DCAista https://ift.tt/2HYshnt
