I was in a rolling less the 1mph accident a few months ago. Turns out my car insurance company never contacted me regarding the claim and I didn't find out that there was a false payout on my behalf from progressive for bodily injury to the other lady until a week ago. My record now shows they paid out bodily injury to a women with a pre-existing condition. They told me they paid this out under the hypothetical idea of she "might" sue with no notice to me the policy holder of there even being bodily injury reported. Can they even do that? And how do I get it off my record if it's not right?
Progressive is also telling me now that even if it is incorrect they cannot do anything to change it because they have paid out to money already.
Personal Injury Lawyer
Yes they can settle without your consent. It is very unusual for an insurance company to pay out on a claim that appears totally baseless, so they must have felt it was justified for some reason. People still get hurt in low-speed accidents, so that alone is not a reason to deny a claim.
Car / Auto Accident Lawyer
Yes. Read your policy. I believe it says the insurance company can settle a claim without your consent. They apparently determined it was more cost effective to pay a small sum to resolve the claim than to incur the expense and risk of defending the claim. Very few policies require the consent of the insured. Medical malpractice insurance for doctors typically require the extent of the insured. There may be others but I am unfamiliar with any auto policy that requires consent. You bought insurance to protect your personal assets from auto claims against you. THe insurance company provided you with that protection.
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The insurance company can decide to settle a case without your consent. While it may seem unfair, the insurance company acted in their best interests as well. At the very least, you will almost certainly not be open to personally being sued based on the accident.
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They can settle without your consent