Can Someone Make a False Car Insurance Claim Against Me?
Table of Contents
Yes, unfortunately, someone can make a false car insurance claim against you, but that doesn’t mean it will succeed. False claims are taken seriously by insurers, and there are strict procedures in place to investigate and challenge anything that doesn’t add up.
If you’ve received notice of a claim you believe is untrue, don’t panic, there are steps you can take.
Key points
What Is a False Car Insurance Claim?
A false claim happens when someone:
- Falsely accuses you of causing damage or injury in an accident
- Exaggerates the extent of damage or injury
- Claims for an incident that never occurred
This can be part of an honest mistake, a fraudulent setup (like crash-for-cash), or even an identity error.
What Should You Do If Someone Makes a False Claim?
If someone has filed a false claim against your insurance, here’s what to do:
- Contact your insurer immediately – Give them your side of the story, share any evidence (photos, dashcam footage, witness details)
- Do not admit liability – Let your insurer handle all communication with the other party
- Gather evidence – Any proof that you weren’t involved, such as dashcam footage, photos, GPS data, text messages, etc.
- Report to the police (if necessary) – Especially if you suspect fraud or a crash-for-cash scam
- Check your car’s insurance and registration details – Sometimes false claims stem from vehicle cloning or mistaken identity
Will a False Claim Affect My Insurance?
Not always, but it can if not handled correctly.
-
If the claim is successfully rejected, your no claims bonus shouldn’t be affected
-
If the insurer pays out (even without your fault), it could raise your premium
-
Some cases are settled without admission of liability. Ask your insurer to explain this clearly
Can You Fight a False Claim?
Absolutely. You can:
- Dispute liability via your insurer
- Provide solid evidence to support your version of events
- In serious cases, escalate to the Financial Ombudsman Service if you feel the insurer has mishandled your claim
Some drivers also take out legal expenses insurance, which covers the cost of defending against false or exaggerated claims.
What if I wasn’t even there when the incident happened?
Provide proof of your whereabouts, dashcam footage, location history, witnesses, receipts, anything that places you elsewhere.
Will I have to go to court?
In most cases, your insurer handles everything. Court is rare and only happens if liability is seriously disputed.
Can I find out who made the claim?
Your insurer can share basic information but may not reveal full details unless the case escalates legally.
Can I make a counterclaim if their claim is false?
Yes, if their claim caused financial damage or distress, you may be able to counterclaim through civil courts or report suspected fraud.
In Summary
- False claims can happen, but insurers investigate them carefully
- Provide as much evidence as possible to protect yourself
- Legal cover and dashcams can be valuable in disputed claims
- Your premium may rise if your insurer pays out, even unfairly
- Stay calm, act quickly, and let your insurer do the heavy lifting
Compare Car Insurance Quotes
Don’t have your registration number? No problem, click here.
Our recommended guides
max_posts: 4
posts_per_page in Query: 4
Posts found (paged query): 46
Posts found (all): 46
WP_Query args:
Array ( [post_type] => guide [posts_per_page] => 4 [post_status] => publish [tax_query] => Array ( [0] => Array ( [taxonomy] => guide_category [field] => term_id [terms] => Array ( [0] => 3481 ) [operator] => IN ) ) )
