An insurance company claimed my car was involved in an accident, sideswiped their insured and left. This never happened; my car is old and has lots of scratches, body damage. A body shop employee said there is nothing on it that would cause 5000 worth of damage. They paid 5000 for repairs and 5000 for rental. I called them and said not to call unless they have a police report. I ignored their calls/letters since. The other day I got a collection letter for 10000. They want me send them the name of my insurance co or they'll consider me responsible. There was no judgment, lawsuit, etc. Any thoughts?
Contact YOUR insurance company and tell them what is going on. Whatever is happening to innocent until proven guilty?
*****Went out the door with this and this: 1* *** Victims of Credit Reporting *** http://members.aol.com/victcrdrpt/Score.html 2*ordering pizza.. Unfortunately, in the not very distant future. > > Operator: "Thank you for calling Pizza Hut. > May I have your..." > > Customer: "Hi, I'd like to order." > > Operator: "May I have your NIDN first, sir?" > > Customer: "My National ID Number, yeah, > hold on, eh, it's 6102049998-45-54610." > > Operator: "Thank you, Mr. Sheehan. I see > you live at 1742 Meadowland Drive, and the > phone number's 494-2366. Your office number > over at Lincoln Insurance is 745-2302 and > your cell number's 266-2566. Which number > are you calling from, sir?" > > Customer: "Huh? I'm at home. Where d'ya get > all this information?" > > Operator: "We're wired into the system, sir." > > Customer: (Sighs) "Oh, well, I'd like to order a > couple of your All-Meat Special pizzas..." > > Operator: "I don't think that's a good idea, sir." > > Customer: "Whaddya mean?" > > Operator: "Sir, your medical records indicate > that you've got very high blood pressure and > extremely high cholesterol. Your National > Health Care provider won't allow such an > unhealthy choice." > > Customer: "What do you recommend, then?" > > Operator: "You might try our low-fat Soybean > Yogurt Pizza. I'm sure you'll like it" > > Customer: "What makes you think I'd like > something like that?" > > Operator: "Well, you checked out 'Gourmet > Soybean Recipes' from your local library last > week, sir. That's why I made the suggestion." > > Customer: "All right, all right. Give me two > family-sized ones, then. What's the damage?" > > Operator: "That should be plenty for you, your > wife and your four kids, sir. The 'damage,' as > you put it, heh. heh, comes $49.99." > > Customer: "Lemme give you my credit card > number." > > Operator: "I'm sorry sir, but I'm afraid you'll > have to pay in cash. Your credit card balance > is over its limit." > > Customer: "I'll run over to the ATM and get > some cash before your driver gets here." > > Operator: "That won't work either, sir. Your > checking account's overdrawn." > > Customer: "Never mind. Just send the pizzas. > I'll have the cash ready. How long will it take?" > > Operator: "We're running a little behind, sir. It'll > be about 45 minutes, sir. If you're in a hurry you > might want to pick 'em up while you're out getting > the cash, but carrying pizzas on a motorcycle can > be a little awkward." > > Customer: "How the he*l do you know I'm riding > a bike?" > > Operator: "It says here you're in arrears on your > car payments, so your car got repo'ed. But your > Harley's paid up, so I just assumed that you'd > be using it." > > Customer: "@#%/$@&?#!&?#!" > > Operator: "I'd advise watching your language, sir. > You've already got a July 2006 conviction for > cussing out a cop." > > Customer: (Speechless) > > Operator: "Will there be anything else, sir?" > > Customer: "No, nothing. oh, yeah, don't forget > the two free liters of Coke your ad says I get > with the pizzas." > > Operator: "I'm sorry sir, but our ad's exclusionary > clause prevents us from offering free soda to > diabetics
Where's the police report identifying your vehicle as being involved in a "hit and run" accident? ? The record of your conviction for leaving the scene of an accident? What evidence do that have that makes them believe it was your car? I'd write a strongly worded cease and desist letter stating that they may only contact you with the answers to these questions and that you will get your insurance company involved only when they provide you with information that suggests that you are somehow responsible. I personally wouldn't get my insurance company involved unless things got out of hand - even if it is found to be a baseless claim, someway, somehow it might show up in a database and used against you years later.
1*my car is old and has lots of scratches, body damage. 2*A body shop employee said there is nothing on it that would cause 5000 worth of damage 3*They paid 5000 for repairs and 5000 for rental. 4*The other day I got a collection letter for 10000. 5*They want me send them the name of my insurance co or they'll consider me responsible. 6*There was no judgment, lawsuit, etc. fds ========================== 1*The age or condition of your car has nothing to do with how much damage it would do to someone else's car in a collision. 2*This guy don't know what he's talking about. 3*Who paid this? 4*Who was it from The Insurer or a CA? 5*Let them consider what ever they want it don't make it a fact. Don't give out your insurance info! 6*How do you know they don't have a default judgment?
it reminds me of my car loan bank. they say they have confirmed proof that i have had a lapse in coverage. i did change to progressive but put them on as the lien holder/payee. im gonna have fun when i go in there in an hour to have them show me their proof. they didnt contact me so how is it confirmed? they need to get wired into the system.
I also thought I'd rather not involve my company. The only thing that's scaring me is that if I eventually have to do it for some reason, they might say I should have contacted them before and they are not responsible. The insurance company of the claimant paid it to him. The collection letter is from CA (it also asks for name of my insur. co). Previously the insurance co, Safeco, has been sending letters and calling. It's been about 7 months or so. I don't know that they don't have a default judgement (how does that work?). I think there was no police report made as I was never contacted by police and I asked Safeco not to contact me without a police report. Someone thought that they paid under an uninsured motorist clause and they need to have a name to attach. Someone else thought that sometimes people without comp/collision will have their cars fixed by making a claim and picking a car that has visible damage on it.
WHAT CAR RENTS FOR $5,000???? Luxury Cadillac Sedan de Ville or Similar Approximate Cost for 7 Day: 377.99 USD AVIS LAX
thanks for responding. 1. I was afraid they could say something like: "look there are all these scratches on your car; that's proof of the accident". 2. The idea was if 5000 worth of damage was caused, then there should be some corresponding damage on my car, no? 3. Safeco paid it to their insured. 4. CA 6. I don't. How would I find out
at this point i would do four things: 1) call a lawyer 2) inform your insurance of this fraud - because if the collection agency finds out, they can notify your insurance for you. besides your not claiming anything. they are trying to commit fraud. 3) tell them to prove it. trust me, there are experts that can determine if your car did the damage or not. 4) see if you can file some sort of police report for their extortion and fraud. you've let it sit too long.
Re: Re: Weird auto insurance collection HAHAHA! HE should go back and say "ya know, they hit and ran MY car, i just had no idea who did it until now!" LOL - i am kidding
Re: Re: Weird auto insurance collection lemme just ask from a law officers point of view,.. are you sure you were not in an accident????? Not pointing the finger. just making sure you didnt nudge em in a parking lot. or tap em at a stop sign. If you did fess up to it we all have accidents. if your sure its not, file a police report for extortion/ Insurance Fraud against the CA it wil shut em up in a hurry.
Re: Re: Re: Weird auto insurance collection are you sure you were not in an accident????? - Originally posted by sahlegian ..------------------------------------------------------------------------------- If he did where is the proof? That's what none of us here on the board have seen!
Re: Re: Re: Weird auto insurance collection Then he should promptly file a police report, and foward the matter on to the county prosecutor, aas well as his insurance rep. I know WE dont have proof, but you never know what someone walking to/from their car may have seen, or a camera at a drive thru restaraunt may have seen. Im just saying that the word alleged is thrown around a lot when it comes to credit, I have seen a lot of " I dont recall having XYZ acct." However when talking about ruining someone elses property eg: smashing a car. When I hear " I dont recall being in a little fender bender" that 99% of the time means that they were. just my 0.2 cents. I advise the poster also find out who notified their insurance company that he hit their car, and also did he loan his car out at any time.
Re: Re: Re: Weird auto insurance collection ABSOLUTELY get your insurance company involved. Most major companies have a fraud unit. They'll help defend you if you're sued, and they have investigators that can help determine if it's fraud. They have access to a lot of other information and if it's some kind of ongoing fraud, they may be able to help get it stopped and prosecuted. I am insured with USAA, and about a year ago they had an article in their magazine about some of the frauds that had been pulled or attempted and how they helped track the people down. And someone was right when they said that if you wait too long, they may not help you. If you have notified your insurance company, and then you are sued, they have an obligation to defend you. They also have an obligation to pay any judgment, up to the limits of your policy, AS LONG AS YOU HAVE NOTIFIED THEM AND GIVEN THEM THE OPTION TO DEFEND OR SETTLE.
Re: Re: Re: Weird auto insurance collection GEORGE, The $5000 for the rental isn't what someone paid to rent the car. It's for their "loss of use" of the car. If you read most rental contracts, it says that if you have an accident and have declined their insurance, you are liable for the cost of repairs and also for their loss of use. I'm sure they make that loss of use a very high number.
Re: Re: Re: Re: Weird auto insurance collection They paid 5000 for repairs and 5000 for rental fds An insurance company claimed my car was involved in an accident, sideswiped their insured and left. fds GEORGE, The $5000 for the rental isn't what someone paid to rent the car. It's for their "loss of use" of the car. .. GEORGE if you read most rental contracts, ***it says that if you have an accident and have declined their insurance, you are liable for the cost of repairs and also for their loss of use. Hedwig ====================== I don't think the rental car was the damaged vehicle in this incident.
