Someone reported to the police that my car backed into his in garage while I was traveling on vacation. It did not happen.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 26, 2011
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Palm Springs, CA
Asked on 09/26/2011
Someone reported to the police that my car backed into his in garage while I was traveling on vacation. It did not happen. I returned from vacation and found a letter from a police officer in a city I visited while on vacation asking me to contact him about an accident that had been reported involving my car.When I called him, he said a witness had taken down my license number after seeing my car back into another car. He asked me for my insurance information, which I provided, and gave me the information about the party claiming damage.However, I do not remember parking in the garage which was the scene of the accident, do not recall backing into anyone, and, further, my car has no damage.
Answer given on September 27, 2011
Fully cooperate with your insurance company on this and let them know your concerns. Tell them you were not in this parking garage where this accident was supposed to have happened and your car has no damage. Offer to take pictures of the rear of your vehicle and send it to them. How much was the damage to the other person car? Perhaps $800 to $1,000? Surely that would have caused damage to your car. Point this out to your insurance’s company’s adjuster. Although they have adjusters that will take pictures, show that you are cooperating with them to the fullest. Find out what time this accident was suppose to take place. If you were somewhere else during this time, prove it! Were you in another parking garage and have a time stamped parking ticket? Were you at a restaurant and have your receipt with the date and time on it? Or perhaps at a bar getting drinks? Were you on vacation with a companion who can be a witness that you were not at this location? All of this can help your claim that you did not cause this damage. If the insurance company can not prove that you were there, they will more than likely deny this claim and the other driver will have to look for coverage under his uninsured motorist coverage.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.