Early 2019. Vehicle stolen. Called 911 and police said it was reported as a hit-and-run and they towed it. Hired lawyer and they got my vehicle back. Nothing from police or insurance or anyone else since. I thought that was the end of it. My insurance company just called and said another party made a claim on my policy. They want me to call back to discuss the issue. For one thing, I don't know who the other party is and how they got my insurance. Should I get legal advice before I call back my insurance company?
Your insurance carrier has a fiduciary duty to protect your best interest. When your vehicle was involved in hit and run accident, the other insurance carrier likely ran a carrier search on your vehicle to find your insurance policy. I recommend you cooperate in your insurance carrier's investigation. If your car was stolen, your carrier will likely deny coverage to the party making a claim as most insurance policies define insured drivers as drivers listed on the policy and other permissive users (you must refer to your insurance contract for exact definition of insured driver). Your insurance contract likely also requires you to cooperate in their claims investigations. However, if you don't have anything to hide, there is no reason not to speak to your own insurance carrier. On the other hand, if you knowingly make false statements to your insurance carrier, that has material impact on claims investigation, you may be found guilty of fraud.
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