Insurance Companies Do Make Mistakes

I recently moved to a new state and purchased a new auto insurance plan. I noticed my premiums were higher but didn’t really pay much attention to it. After a couple weeks I decided to investigate. So I called my insurance company and asked why my premiums were so high and they replied, “well sir, you have 3 accidents on record”. I told them that’s completely false and only had one minor accident and to make a long story short, after investigating they realized it was a mistake and they really didn’t give me any explanation as to what happened but they removed them from my record and adjusted my premiums. I thought it was pretty scary since those accidents would of prevented me from getting hired anywhere but I guess it all worked out.

Good catch! That likely would have caused issues getting started in this industry. In 2013 my wife (gf at time) had something similiar happen. We were changing insurance companies because Geico was an absolute nightmare to deal with in regards to her not at fault accident. Anyways, when we switched our premium would be nearly $150 more a month. The agent informed us that in their system she was listed as at fault in that accident. Thankfully the agent got it all resolved after we got them a copy of the police report. Wife was rear ended in my new Ford Fiesta I'd had only a couple months with just 5k miles on it on the interstate. Traffic came to a quick stop and she stopped in by but a Toyota Rav4 wasn't so lucky and hit her doing 55mph. 10k in damage to my car but thankfully all were ok although her friend went by ambo due to pre existing conditions and being concerned. I see how the mistake happened in this circumstance though. Wife's last name at the time was Olsen, person who hit her was Olson.

My wife has a tendency of calling me and making me worry about stuff I can't help or control. I had been taking a nap because we were going to head to green bay to see her family for the 4th of July weekend when she got home. She called to wake me up to tell me "I was in an accident, (friend) is going to the hospital in an ambulance. Trooper just showed up ill call u later." Then hung up. Talk about being in a panic. 😡

I had a similar thing early in the 2000's. I went to apply for a will train cement mixer driver job with a good record. Well, they came up with me having a early morning accident. This was in a city in northern Calif, Carpenteria? Never heard of this city, much less been there. So I do some research about it, and turned out the actual guy who had this crash shared my name. All but our middle names the same, birthdays the same BUT his license was out of Colorado, again, I never lived there either. So basically I spent the day on the phone with the sheriffs office up north, and DMV.

Never got it fixed, DMV dropped the ball, but wouldn't fix THEIR screw up, said I'd have to go to sheriffs, get a copy of the report etc. Like hell I am doing all that. I told DMV, YOU need to go in your computer and fix it ! Told em look his license is Colorado, mines California since I was 16. Sheriffs lady said it was in another building in archives since it had been so long ago......I just let it fall off my record in a couple years pfffft

Of course insurance companies can make mistakes. Sadly, I’ve had such experience in my life, and it cost me a lot of money before I found out that smth was wrong.