Can an insurance company have a claim on your report even if they did not pay?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 23, 2014

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Insurance Question from Guyton, GA

Asked on 07/23/2014

Can an insurance company have a claim on your report even if they did not pay? Our Luggage was stolen on cruise ship. They told us to call our home owners insurance see if they cover it.They do not, And They sent us a letter stating that for cruise insurance company. But in return they put a claim on our report. This happened in August -2012 its still on there.

Answer given on July 29, 2014

Now many homeowner insurance companies will add a possible, or reported claim, on the record of the policyholder, even if no action was taken or the claim was withdrawn.If you have been with your insurance company for a period of time, this claim many not have any effect on your current premium. However, if you end up filing a different claim within a five year period, then your rates could be affected.You should contact your agent or insurance company to see if there is anyway to remove this claim from your records. Explain that you were required by the cruise ship to contact them regarding a possible claim and that you would not have reported this to them without that requirement. The insurance company may be willing to remove the record based on this information. If this does not work, see if the cruise ship company will write a letter supporting your statement and see if that makes a difference.

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