How can my insurance company make a payment on a claim without me knowing about it?

How can my insurance charge me for an accident I don't remember? I recently called StateFarm to ask why my policy is so expensive. They told me there was a claim made on my policy two years ago where I was at fault. I don't remember being in an accident or speaking to anyone about a claim.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“It is unusual to have a claim paid for and not be aware that it happened, but it’s not impossible.
It can happen, and there are usually two reasons why:
  • they tried to contact you and didn’t get a response
  • fraud has happened with your personal information
Have you moved, gotten a new phone, or changed your email address? The claims department would have mailed a letter, emailed questions, and tried to call you.
Many times, people remember to change their address, but email and cell phone numbers tend to be forgotten about.
Ask State Farm to resend any paperwork or contact attempts that have been made so you can review the information to see if it rings any bells.
If you know for sure that this claim isn’t accurate, ask to speak to a supervisor and have an investigation set up. Insurance carriers take fraud very seriously and they will look into it for you.

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