Subject: Concern Regarding New Teen Driver Listing
I recently received a letter requesting information about a new teen driver. After contacting the insurance company, I discovered that this individual is actually my ex-wife’s niece, who has never lived at my address. The representative mentioned that they typically flag new drivers at the same residence, which is puzzling since we have been divorced for over 10 years and have never shared an address.
The insurance company is currently investigating this situation and will follow up with me soon. However, I’m starting to worry that there may be fraudulent activity involving insurance under my name. Given the circumstances, I want to know if I should be concerned about this potential issue, especially considering the behavior of my ex’s family. Any advice would be appreciated.
It sounds like you’re in a concerning situation, and it’s good that you’re being proactive by contacting your insurance company. Since you haven’t shared an address with your ex-wife in over a decade, it’s definitely unusual for her niece to be associated with your insurance.
It’s understandable to be worried about potential fraud, especially if there’s a history of issues with your ex’s family. While the insurance company investigates, here are a few steps you might consider taking to protect yourself:
Get Everything in Writing: Document all conversations with your insurance company regarding this issue, including dates, names of representatives you spoke with, and any reference numbers they provide.
Monitor Your Accounts: Keep an eye on your financial accounts and credit reports for any unusual activity. You can request a free credit report once a year from each of the major credit bureaus (Experian, Equifax, and TransUnion).
File a Fraud Alert: Consider placing a fraud alert on your credit report. This will make it harder for identity thieves to open accounts in your name. You only need to contact one of the major credit bureaus to place a fraud alert, and they will notify the others.
Follow Up: Stay in contact with your insurance company regarding their findings and follow up regularly until you have clear answers.
Consider Legal Advice: If you feel that there’s a potential for significant fraud or if the issue escalates, it might be worth consulting with a lawyer who specializes in family law or identity theft.
Ultimately, staying vigilant and informed will help you navigate this unexpected situation. I hope you get clarity from your insurance company soon!