How To Defend Against False Insurance Claims Against Me
If you have ever had the misfortune of having someone file false insurance claims against you, claiming that you are responsible for damage done, there are ways to protect yourself when these things occur. For example, if someone has filed a claim stating that you had damaged their vehicle months ago, you must show evidence that this is not true. The burden of proof is always going to be upon you, as generally anyone can file a claim whether true or false. Here are the steps that you will need to take if you have ever asked why did someone file false insurance claims against me, and what you can do to rectify this situation.
Show Proof To The Contrary To Your Insurance Company
The very first thing that you will need to do is show proof to the contrary of the claim that has been filed. This typically happens with auto insurance, although it can happen with other forms of insurance as well. If someone is accusing you of hitting their car, and they have shown proof of the damage, you will have to refute this truth by sending your own pictures of your car that is not damaged. If there is nothing on your vehicle to show that damage has occurred, then the claim that they filed will likely be regarded as false. If that does not work, you will have to move to the next step which is sending a formal letter disputing the claim which must be done in the following way.
Submitting A Letter Contesting The Insurance Claim
Next you must send a letter which specifically states that you did not cause this damage. This is what you will send with the images that you have taken of your vehicle to your insurance agency. The letter must be signed and dated by you, and it must state that your car has not been in an accident. You can state that you did not file a claim, and based upon the pictures that you are supplying, there would not have been in need. This will lead to either informal negotiations where you are talking on the phone with representatives of your insurance company. After that, your insurance company will then appoint representatives to deal with the accuser, the person that has submitted the false claim. Based upon the evidence that you have submitted, and the fact that you have not filed a claim, they can use this to your advantage. All reputable insurance providers will give their clients the benefit of the doubt, and can usually successfully dispute any false claims that are submitted to their company.
How Long Does The Process Can Take?
The process can take anywhere from a couple of weeks to several months, depending upon the accusation by the other party. For example, if there is a small dent, or a small amount of paint that is missing from their vehicle, this can usually be dismissed. Likewise, if there is substantial damage to their vehicle, and none to yours, their dispute could be settled in just a few days. Obviously, if there is no substantial damage to your own vehicle, it likely did not occur as a result of you hitting their vehicle.
After the process is complete, you will be vindicated of the false claims, and there will be no change to your policy or premiums. There are always times when this will occur, and if you are currently asking what you should do about false insurance claims against me, you now know what procedures to follow. In most cases, false claims are almost always dismissed, especially if proof is provided. All of this is merely a formality that can be used successfully to dismiss any claims that others are making which are obviously false.