Seeking Help After Hit-and-Run with Suspected Fake Insurance
I experienced a hit-and-run this past Monday when a woman rear-ended my car. Upon stepping out to exchange information, she became erratic—grabbing my arm, throwing a fit, and refusing to cooperate. I requested her driver’s license and insurance details, but she wouldn’t provide them.
I called the police, explained the situation, and tried to convey my location, but she kept yelling into the phone, making it hard for me to communicate with the dispatcher. Despite my bumper being cracked and the paint damaged, she insisted there was no harm and even offered me $200, which I told her wouldn’t cover a basic paint job, let alone a new bumper.
Deciding she “didn’t have time for this,” she got in her car and attempted to leave. I initially stood in front of her vehicle but, given her erratic behavior, I stepped aside to protect myself. I was understandably shaken, as this was my first experience in such a chaotic situation.
I got back in my car and followed her while calling the police again, informing them she was trying to flee. After about a mile, she finally stopped. While waiting for the police to arrive, I managed to calm her down somewhat. Her son showed up, and I explained that we needed to wait for law enforcement. He agreed and mentioned the vehicle was a rental. Eventually, he returned with an official-looking New Jersey insurance card, complete with a policy number, VIN, and matching make and model.
Due to her aggressive demeanor, I hadn’t been able to get her driver’s license. After calling the police again to share my updated location, the dispatcher informed me that since I had received the insurance information, they would not be responding, as they don’t file reports for accidents like this anymore. They reassured me that as long as I had an insurance card with a policy number, I would be fine.
However, when I took my car to the body shop and the mechanic tried to file a claim, he discovered the policy number was not recognized in their database. I checked the license plate—it matches the car’s make, model, and VIN, but the insurance appears to be fraudulent. Is it possible they canceled their insurance after the accident?
At this point, I’m at a loss for how to proceed. Does anyone have advice on how I can hold them accountable and get my car repaired? Any guidance would be greatly appreciated.
I’m so sorry to hear about your experience; that sounds incredibly stressful and frustrating. Here are some steps you can take to address the situation:
Report the Incident: If you haven’t already, file a report with the police regarding the hit-and-run, even though they initially didn’t take one. Including the erratic behavior and the fact that you suspect the insurance information is fraudulent may prompt further investigation.
Document Everything: Keep a detailed record of all events, conversations, and any correspondence. This includes photos of the damage, notes from conversations, and the fake insurance card details.
Reach Out to Your Insurance: Contact your own insurance company to report the accident and let them know about the insurance fraud. They can guide you on how to proceed and may even help cover your damages depending on your policy and whether you have coverage for uninsured/underinsured motorists.
Consult with an Attorney: Given the aggressive nature of the other driver and the fraudulent insurance situation, it might be beneficial to speak with an attorney who specializes in auto accidents or insurance fraud. They can advise you on your legal options and help you navigate the situation.
Follow Up on Insurance Claim: Check with the body shop and ensure they have all the documentation they need to proceed. If they can’t verify insurance, they may be able to assist you in other ways or suggest alternative avenues for repair.
Consider Filing a Claim in Small Claims Court: If you don’t receive satisfactory assistance through your insurance or the other party’s, you might be able to take legal action against the other driver for the damages.
Stay Vigilant: If you have any further interactions with the woman or her son, document everything. Be cautious and avoid any confrontations.
It’s unfortunate that you’re in this situation, but taking these steps can help you find a resolution. Wishing you all the best as you navigate this process.