at fault driver provided bogus insurance information

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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: Oct 27, 2015

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Insurance Question from Archers Lodge, NC

Asked on 10/27/2015

at fault driver provided bogus insurance information My daughter was driving my car when she was hit by another car. He was at fault. The insurance company he says he has coverage with says they do not have his name or the provided policy number in their system. What are my options for recovering my damages?

Answer given on November 01, 2015

If you or your relative is in an auto accident that is not their fault and the other driver provides inaccurate or “bogus” information you will have to handle the claim through your own insurance, unless you got the license plate number or driver’s license number of the other driver. (this is something you should always do anyway)Presuming you have collision coverage on your car, you should call your insurance company and advise them of the collision and the fact the other driver provided false information. You will have to pay your deductible, but the other damage will be paid by your insurance company. Since the accident was not at fault, your rates will not be affected by the claim. It is possible that your insurance company can find the other driver based on the information you did get from the other driver. If not, then you will be out the amount of your deductible. If they do find him, and collect the damages they paid, you will get your deductible back.

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