How did someone fraudulently add their vehicle to my policy in Michigan?

I received a notice from my insurance company saying I opened a separate policy with a car I don't own. The policy contains personal information from both my parents and I. I'm not sure how they got this information and I did not authorize the transaction. What happened here?

“While it can be alarming to receive a notice like this, the best thing to do is to reach out to your car insurance company. They should be able to provide you with additional details of what information was used and how this happened. It could have been a human or system error on their part.
If you speak with them and it is a case of insurance fraud, you should reach out to your state’s Department of Insurance and Financial Services. They handle cases like this. Your insurance company may also be able to report the incident for you.
Beyond this, keep an eye on your credit report and other accounts. Make sure that there aren’t any charges, changes, or new accounts that you haven’t authorized.
Emily Maracle
Answered on Apr 20, 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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