How to Dispute an Accident Claim Listed Under My Name in California
I’m dealing with a situation from three years ago when my ex filed a claim under my name after I accidentally scratched our car against a pole while exiting a parking garage. Although no one was injured and the police weren’t involved, I now have an accident on my record that’s significantly increasing my insurance premiums.
Is there a way to dispute this claim? I’ve heard that such incidents can be removed from your record after three years, but despite it being just over three years since the occurrence, I’m still receiving high insurance quotes that reference this incident as the reason for the elevated rates. Any advice would be appreciated!
I’m sorry to hear about your situation. Here are the steps you can take to dispute the accident and potentially have it removed from your record:
Gather Documentation: Collect any documents related to the accident, including the claim details and any evidence that supports your position (e.g., emails, letters from your ex, insurance statements).
Contact Your Insurance Company: Reach out to your insurance provider and explain the situation. Let them know that you were not the one who submitted the claim and provide any documentation you have. They may have procedures for reviewing claims or disputes.
Request a Review: Ask your insurance provider to review your driving record and the incident. Emphasize that it was a minor incident, and if possible, outline your clean driving history before and after the accident.
Check Your Credit Report: Sometimes accidents can linger due to incorrect reporting. Verify that your driving record is accurate by checking for any discrepancies with the Department of Motor Vehicles (DMV).
Dispute with DMV: If you find that the accident is incorrectly reported on your DMV record, you can file a dispute with them. You may need to provide evidence and fill out necessary forms to initiate the dispute.
Contact the Insurance Commission: If you aren’t getting satisfaction from your insurance company, you can escalate the issue to the California Department of Insurance. They can provide guidance and may help you resolve disputes with insurers.
Consider a Good Driver Discount: If you qualify as a good driver (generally defined as having no accidents or claims for a certain period), ask your insurance provider if you’re eligible for a discount which might help offset higher premiums.
Shop Around: Continue obtaining quotes from different insurance companies. Some insurers may weigh your past accidents more favorably or offer competitive rates for good driving habits since the incident.
Consult with a Legal Professional: If you continue to have trouble, consider reaching out to a legal professional with expertise in insurance disputes. They can help you understand your rights and options.
Remember that disputes can take time, so be proactive and persistent in following up with your insurance company and any other relevant parties. Good luck!