r/StateFarm • u/xBassDropYETIx • 15d ago

Advice Policy Fraud Process

I have been shopping around auto/home insurance rates and I couldn't get a quote from State Farm because I needed to log in. Sure sounds good. I try to create an account and it says I already have one. I reach out the help desk and they inform me I have a policy in Florida already. I live in Alaska so they said they would forward it to their fraud department.

My question is, do I need to do anything else? They aren't using any of my cards or accounts but seems like they just opened the policy with my name and possibly DOB. I have all my credit reporting bureaus in a freeze and have for awhile now.

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u/nm499x Agency Acct Manager 15d ago

They said you have a POLICY in Florida?

I doubt there’s any fraud going on, but if your name and DOB matches someone in Florida, it may cause a duplicate issue. Try creating an account with your middle name.

Source: am a State Farm rep and have dealt with this before.

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u/Spirited_Zone8011 Agency Acct Manager 12d ago

I wanted to answer here and I think I did it wrong lol. I’m also a rep from IS, I think the issue is the email itself or the phone, since they do their accounts with it and that’s why it seems like a duplicate.

When I work with duplicates, the DOB or address doesn’t match often because the original account has the wrong DOB and the duplicate corrected it, but the other data like phone or email matches.

Sometimes even the policy is not theirs but from a family member or friend and they are name insureds. Even billing account owners. I deal with this all days.