How did my car insurance company get the wrong VIN for my car?

"I was reviewing my policy and realized that my insurance has had the wrong VIN listed for my vehicle. I've been with the same company for three years! How did this happen?

Can I get a refund since my vehicle wasn't actually insured?"

Answer
“While it was most likely a mistake on your car insurance company’s part, you wouldn’t get a refund. If you did get into an accident, your insurance company would have realized the mistake. Since it wasn’t caught earlier, they’d likely cover the damage.
Even when vehicle identification numbers, or VINs, are incorrect, they often pull back the same vehicle or model. Assuming the number was only off by a digit or so, this is probably what happened.
Mistyping VINs is a common error and is usually caught when the policy is bound. It could have been a mistake on either your end or the insurance company’s. As it’s impossible to know, you probably won’t get a refund for anything you’ve paid up until now.
You should call your insurance company and correct the error. You can also inquire about a refund to see what they say.”
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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.
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