Subject: Mixed Up with Another Insured Person—Help Needed!
Hi everyone! I’m facing a strange situation and could use some guidance on whether I should consult a lawyer.
Here’s the situation: When I joined my boyfriend’s insurance plan, our monthly payments jumped by about $800 more than what we should be paying. To clarify, I haven’t had any accidents or filed a claim in the last 7 years.
Typically, we pay for insurance twice a year, so we didn’t think much of the increased charge until they billed us again the following month. After some digging, I discovered that they had confused me with another person who shares my first name and birthday. Unfortunately, that individual has had three accidents in the past two years, two of which occurred in the last year.
When we reached out to the insurance company about the issue, our bank had already flagged the payment as suspicious due to the unexpected amount, causing it not to go through. They advised us to keep making payments to avoid losing our benefits and suggested that I obtain a CLUE report from LexisNexis. They also indicated that they have no way to verify that I’m not the other person— which is baffling. Why can’t they simply run my information through the CLUE report again?
It’s really concerning to think we’re being charged for someone else’s mistakes. I appreciate the help I’ve received from the customer service team, but this situation is quite overwhelming, especially given the financial implications.
Do you think I should just get my CLUE report and send it to my insurance for reimbursement? Any advice on how to proceed would be greatly appreciated. Thanks so much in advance!
Hi there! That sounds like a really frustrating situation, and it’s understandable that you’re feeling overwhelmed. Here are a few steps you might consider taking:
Get Your CLUE Report: Start by obtaining your CLUE report from LexisNexis as advised by your insurance company. This report will show your driving history and any claims associated with your name.
Document Everything: Keep a detailed record of all communication with your insurance company, including dates, times, and the names of the representatives you speak with. This will be important if you need to escalate your case later.
Contact Your Insurance Company: Once you have the CLUE report, email it to your insurance company as they requested. Include a clear explanation of the mix-up and why the charges are incorrect. Ask for a timeline on when you can expect a resolution.
Request a Review: Politely request that they review your account and consider adjusting your premiums retroactively. Make sure to express that you’ve had no accidents or claims for 7 years, which should be in your favor.
Follow Up: If you don’t get a response within a reasonable time frame, follow up with them. Persistence can sometimes result in quicker resolutions.
Consider Legal Advice: If the insurance company is unresponsive or refuses to adjust your charges even after you provide the necessary documentation, it might be worthwhile to consult with a lawyer who specializes in insurance claims. They can advise you on your rights and what further steps you can take.
Consumer Protection Agencies: If all else fails, you might also consider filing a complaint with your state’s insurance department or a consumer protection agency. They can sometimes help mediate disputes between consumers and insurance companies.
Hopefully, this situation will get sorted out soon, and you’ll receive a refund for the overcharges! Good luck!