Can someone file a claim on your auto insurance without you knowing?
While someone can attempt to make a claim on your auto insurance without you knowing, the good news is your insurance company will tell you if someone is making the effort to do so. Often, it's called a third-party claim.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- When someone files a car insurance claim with your car insurance company after an accident, the claim is called a third-party auto insurance claim
- Third-party auto insurance claims are the most common type of car insurance claims in the United States
- It’s highly unlikely that someone will file a claim on your auto insurance policy without you knowing
Getting into a car accident can be incredibly stressful, and it can be worse if you’re worried that another party is planning on making a claim against your car insurance. Perhaps not as stressful as needing to settle a claim without insurance whatsoever, but that doesn’t happen as often. The good news is that you are always kept informed throughout the claims process and won’t be surprised.
Understanding why it’s unlikely for someone to claim on your auto insurance without you knowing begins with understanding how liability insurance works.
It Is Extremely Unlikely Someone Will Claim On Your Auto Insurance Without Your Knowledge
The first thing to remember is that in most cases you need to provide your insurance details after a collision. That means you already know that someone has your insurance information and intends to use it. You are also obligated to inform your insurance company of the incident. Hopefully, you’re lucky and your insurance provider offers accident forgiveness with your policy. The bottom line is that your insurance company is trusting you to let them know whenever you’ve been in an accident. Going off a baseless claim from someone else isn’t a smart move on their part.
The other thing to remember is that your insurance company will virtually always tell you about any claims that are made on your policy. Car insurance companies are for-profit organizations with the goal of making money, meaning they won’t pay an auto insurance claim unless they have to.
They won’t simply pay out on a claim based on the word of another driver, even if that driver has a police report. After all, insurance companies don’t necessarily accept blame as it is declared by a police report. Unless they make a series of internal blunders, your insurance company will always contact you about a claim.
You may also decide to settle your accident without going through insurance during the roadside discussions, but the other driver may decide to pursue a claim afterward. They will need you to provide your insurance information to do so, and your insurer will let you know immediately if that happens.
The very rare case in which you might be blindsided by a claim is if someone has given you information falsely after a crash they have. This requires someone else to have your vehicle and insurance details though, and again, your insurance company will reach out to you before anything else happens.
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What is a third-party auto insurance claim?
A third-party car insurance claim is any claim made against your car insurance policy by anybody else other than you (the policyholder). If you get into a major or minor car accident with another driver and they feel like they have a valid claim, they can file a claim with your auto insurance company.
Unless you live in Virginia or New Hampshire, you’ll have to have liability insurance coverage to drive in the US. If you’re found to be at fault in an accident involving another driver, you’ll be responsible for paying for bodily injuries or damages to their car.
The other driver must file a claim with your auto insurance company in order for that to happen, and that claim is a third-party claim.
What happens when someone files a third-party claim?
Before someone files a third-party claim with your auto insurance company, that person will usually call their own insurance company. They will give their company the facts about the accident, and provide a police report showing that you were at fault.
Their insurance company may direct the other driver to take their claim directly to your insurance company, but in most instances, the companies will work with each other.
Your auto insurance company will take everything into account, including witness statements, the police report, and whatever other information you or the other driver provide.
Your insurance company’s decision about who’s at fault may or may not match with the police department’s determination of fault. If that turns out to be the case, the other driver will be asked to file a claim against his or her insurance company.
However, they’ll still pay the claim if it determines that you really were responsible for the damage.
Insurance Claims Without Your Knowledge: The Bottom Line
As you learned earlier, the chances of someone claiming on your auto insurance policy without telling you are almost zero.
Regardless, it’s always best to make sure you have the proper car insurance coverage in place so that no matter what happens, you can have peace of mind knowing you’re covered for a variety of circumstances.
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Frequently Asked Questions
What are the potential reasons someone might try to file a claim on my auto insurance without my knowledge?
There are several potential reasons someone might attempt to file a claim on your auto insurance without your knowledge, including fraudulent activities, seeking compensation for damages they caused, or attempting to take advantage of your insurance coverage.
How can I protect myself from someone filing a fraudulent claim on my auto insurance?
To protect yourself from someone filing a fraudulent claim on your auto insurance:
- Safeguard your insurance information and policy details.
- Regularly review your insurance statements and policy documents for any discrepancies.
- Immediately report any suspicious activity or unauthorized claims to your insurance company.
What should I do if I suspect someone has filed a claim on my auto insurance without my knowledge?
If you suspect someone has filed a claim on your auto insurance without your knowledge, take the following steps:
- Contact your insurance company immediately and inform them of your suspicions.
- Provide any relevant information or evidence you may have regarding the unauthorized claim.
- Cooperate with your insurance company’s investigation and provide any requested documentation.
Can my auto insurance company pay out a claim without my consent or knowledge?
In most cases, insurance companies require policyholders to provide consent and authorize claim payments. However, it’s important to carefully review your insurance policy terms and conditions to understand the specific provisions regarding claim processing and payments.
Will an unauthorized claim affect my auto insurance rates?
An unauthorized claim on your auto insurance may potentially affect your insurance rates, depending on the circumstances and your insurance company’s policies. Fraudulent claims or excessive claims activity can result in premium increases or even policy cancellation.
Can I dispute a claim filed on my auto insurance without my knowledge?
Yes, if a claim has been filed on your auto insurance without your knowledge and you believe it to be unauthorized or fraudulent, you can dispute it with your insurance company. Provide them with any evidence or information that supports your claim of unauthorized activity.
Should I involve law enforcement if someone files a claim on my auto insurance without my knowledge?
If you suspect fraudulent activity or believe that someone has filed a claim on your auto insurance without your knowledge, you may consider involving law enforcement. Contact your local authorities to report the incident and provide them with any relevant information or evidence.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.