Can someone file an insurance claim without proof?

"My neighbor thinks my brother hit her car. He definitely didn't and there's no damage on our vehicle whatsoever. She said that she's going to submit a claim to our insurance.

Can she do that?"

Answer provided by
Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“To submit a claim to your car insurance, your neighbor would need your insurance information. If you don’t disclose the information to her, there’s not much she can do.
If she chooses to report it to her insurance company and they find your insurance information, the claim would still need to go through an investigation. Her insurance would not only be investigating the claim, but yours would as well.
If she’s unable to show proof that an accident occurred or it was your brother who hit her car, your insurance would deny the claim. She’d then be required to submit a claim to her own insurance for the damage.”

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