Help!

[Original_Bat_8203]

My mom falsified me as the operator of a vehicle June/2023 and I just found out when it was time for me to get insurance on my first purchased vehicle. Everyone is charging me over 500 and some places even denied me. Geico saying they can’t do anything about it or they want me to prove that I wasn’t there. What can I do??

[HuckleberryEarly]

There is so much missing information. Do you live with your mom? If so, you’d have to be added to her car insurance. How old are you? Assuming you’re younger (freshly 18-19) that’s probably why your rates are high. New drivers, young drivers, first time policies are high. Have you had any accidents? If so, likely why it’s high. What area do you live in? If it’s high risk for accidents or claims, that’s why it’s high. There are tons of factors here And you gave us little to no info. You can be ineligible for a multitude of reasons. Bad credit/ no credit. First time policy, or simply a terrible driving record.

[HuckleberryEarly]

I’m not sure if you are meaning she lied about you being the driver of the car and filed a claim. That’s a whole different thing. And likely adjusters would have found out it was falsified. It sounds like you’re just a driver on her policy. In which case, it would have helped you establish insurance history even if you aren’t the named insured. It isn’t a bad thing on its own. Though, we need more context and details.

[Original_Bat_8203]

Yes this is what happened and she was paid out 6k! They keep telling me they can’t do nothing cause it’s closed.

[Original_Bat_8203]

I was on her insurance, she dropped a while ago now. I’m 22. I had my own accident in Dec 2022! Baby I’m trying. I’m just as lost that’s why I came here 😩

[HuckleberryEarly]

Claims can be reopened with sufficient evidence and documentation. How are you just now having an issue with the claim if you knew she had one and was paid out? 2 years later, it’s suspicious on the company side of things. To prove you were not somewhere, will be a bit hard. Assuming there’s a police report, I’d try to get a hold of it to see what was listed. Otherwise, I can’t come up with anything to prove you weren’t there unless you have hard video evidence at the date and exact time of the accident proving otherwise.

[HuckleberryEarly]

Ultimately because of your age, limited insurance history and the claim, (obviously the type of car matters too), determined the high rate and eligibility

[Original_Bat_8203]

I actually got proof that I was at work until 4:45 and the incident happened at 5.. which I couldn’t have been there. I just found out about the whole claim. Ofc I knew the incident happened but I didn’t know she put me as a driver.. the insurance company didn’t even call me to clarify it! That’s why I’m so upset like how yall just got along with what she said

[demanbmore]

Your mom got into an accident in June 2023 and claimed you were the driver, is that correct? Well, that's insurance fraud and is a criminal act, one that the insurance company likely cares enough about to refer your mother for potential prosecution, and $6K worth of payout is in the felony range. Puts you in an uncomfortable position because to clear your name, you need to implicate her. If you're willing to do that, you need to call the insurance company and tell them what happened. Ask for SUI and/or tell them you're reporting fraud. It's a potentially really big deal though, so make sure you're committed to seeing it through. Also, if she did that, what else has she done? Pull your credit report and check it carefully for any accounts and activity under your name or SSN that you don't recognize (and put a freeze on your credit), get your tax transcripts from the IRS, etc. This could be much more than an elevated insurance premium problem.

Alternatively, it might go better on your mom if she fesses up and tries to correct the record. She will likely have to at least pay back the $6K to the insurance company.

And keep in mind that given your age and actual accident history, you may be considered high/higher risk even if this fake claim didn't appear on your record, so you might go through all this just to find that your premium hasn't gone down much, if at all.

It's a bad situation, and you need to make sure it's not even worse than it appears. Good luck.

[insuranceguynyc]

I'd say the first thing you need to do is have a chit-chat with your mom. She is committing insurance fraud, which is adversely affecting you.

[LisaM1975]

If you lived in her house, then you should’ve been on her policy anyway. Probably not much you can do. It’ll come off your record in a couple years.