How do you report someone's false car insurance claim?

Someone I don't know submitted a claim saying I hit them. It's not true and I don't want to be penalized for it. How do I report that the claim is false?

Answer
I’m sorry this is happening to you! Being in a situation like this is incredibly stressful, especially when you know you did nothing wrong. To report that someone’s claim is false, speak with your car insurance company. You may need to provide them with proof that you weren’t involved in an accident.
Proof you may need to provide is:
  • Photos of your car
  • Proof of your location at the time of the accident
  • Witness statements of anyone you were with at the time of the accident
With proof, your insurance company can deny the claim. If the driver pursues any further action, your insurance will defend you.
Report the person to your state’s Department of Insurance or Department of Financial Services. Most states have a hotline or complaint form that you can fill out to report fraudulent claims or activity.
If you find yourself wanting to switch car insurance companies after this, go to Jerry. Jerry is a free app that finds you the best rates from up to 50 top providers in seconds!
Emily Maracle
Answered on Oct 25, 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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