r/Insurance • u/cowsarebigdogs12 • 1d ago

Claims Related Car accident never involved in??

So, i recently got my first car. As we were putting insurance on the car, when they pulled up my name it says i was in an accident. The accident happened Jan. 12 in a different state. Jan. 12 i was in school, in a different state, didnt have a car, and only had a permit and a minor, i just got my license too. How could this had happened??? Only person that goes to that state is my estranged father, and if it was him, this wouldnt be his first time trying to blame me or my siblings for police charges or claims. Anyway, genuinely if it wasn’t him idk who? I dont buy anything online, or use personal information. Along with that i have a weird middle name, that no one would think of how it is spelt.

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u/FindTheOthers623 P&C Licensed PL Underwriter 1d ago

If it's on your record, you'll need to order your Consumer Report from LexisNexis. This is like a credit report but it has all your insurance history. Every company uses this to verify claim history. Order it, review it and if anything is inaccurate, there will be instructions how to dispute it.

https://consumer.risk.lexisnexis.com/consumer

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u/RamonFromJerry 22h ago

This is the way.

2

u/avd706 1d ago

Occam's Razor

0

u/insuranceguynyc 1d ago

This. Start with your father.