On jan 9, 2017, and on apr 6, 2017 my insurance called and said they received claims about accidents I was in. In both cases I wasn't involved in either accident or any where near the accident at the time. the first time was involving a car I was renting. First, they said the accident was on Jan 9, 2016. When I told them I rented the car from Jan 7-13 2017 and the rental car company inspected it upon return and there was no damage to it, they said well you have enough liability to cover it so we'll pay the damages. then I got an e-mail on April 6, 2017 saying I was involved in accident on aug 4, 2016. when I called an asked about this they said "your sister was involved in the accident and the lawyer for her insurance wasn't sure if she had enough liability to cover the damage and injuries of the person on the motorcycle who was driving on the wrong side of the road and hit her but doesn't remember anything, so that means your sister was at fault so they turned it in to your insurance since she had stayed overnight at your house a few days before. My insurance indicates they might pay for this. Are these two cases insurance fraud? What should I do?
Insurance companies don't pay out on a "say so". They investigate, demand proof and secure releases. Change companies if you don't like this one. I could name many that will not pay even when you're at fault and have backed up over the other party. Good luck.
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There is something wrong for sure not exactly sure what is going on you need counsel
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I've never heard about such generosity.On #1 you can contest it so it isn't at fault. At #2 if she's hit by a driver on the wrong side of the road she should contact a member of the Pa. Assn for Justice. Seondly, it's odd because most car insurance won't cover temporary visiting relatives, and third even if she was staying there, most policies say we won't cover anyone who has their own insurance. So #2 shouldn't be paid.
Are you talking to the company or to the agent? Talk to the adjuster.
The whole thing sounds very strange as insurance companies go to great measures to pay out for liability claims. The insurance company has a duty to defend you. You may want to hire an attorney to investigate.
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