Dealing with an insurance claim can be a headache, and it’s even more so if it’s fraudulent. In recent times, numerous individuals have shared their stories of handling car insurance issues, ranging from getting absurdly high quotes to dealing with unexpected incidents. Recently, a woman named Kim took to TikTok to share her story of dealing with GEICO, an insurance company that she claims has committed insurance fraud.
“I’m being pursued by GEICO after my car got into an accident,” Kim says. “The problem? The car isn’t mine, and the accident occurred in a state I haven’t been to in 20 years.”
Kim’s story began when she and her husband sold their 2013 Hyundai Santa Fe to purchase a 2013 Chevrolet Traverse. However, on April 1, Kim received an email from her insurance company saying that an adjuster had been assigned to her claim. This was confusing to her, as she had not had a recent incident, but when she logged onto the company’s website, she discovered that “there was a claim on our insurance saying that my husband had hit two parked cars in Jamaica, New York.”
The problem was that Kim and her husband had not been in New York in over 20 years, and they did not own a car in the state. The claim was being made against the couple’s Santa Fe, a car they had not owned since October. Kim provided photos of their vehicles showing that they were not wrecked and offered to provide Ring camera footage of both of them being present in Ohio at the time of the accident and them selling the original car.
- Kim got a call from the insurance company, at which point she explained her situation and provided evidence to the contrary.
- The GEICO agent was insistent that it was Kim’s husband who was behind the wheel, despite the evidence to the contrary.
- Kim’s husband then contacted GEICO, the insurance company of the person who was hit, and explained that he was not responsible for the accident.
Despite the evidence to the contrary, GEICO’s agent continued to insist that Kim’s husband was responsible for the accident. The agent told Kim’s husband that it was him who was behind the wheel, despite the fact that the license plates on the car were now on their new vehicle, the Chevrolet Traverse. Kim’s husband then said that he was going to file a police report against the company.
| GEICO’s claim | Kim’s husband’s response |
| GEICO’s agent says Kim’s husband is responsible for the accident. | Kim’s husband says he is not responsible for the accident. |
| GEICO’s agent says Kim’s husband needs to pay the claim. | Kim’s husband says he is not responsible for the accident and offers to provide evidence. |
In response to a suggestion from a TikTok commenter, Kim contacted the New York State Insurance Commission. GEICO later reached out to Kim and claimed they wanted to “work towards getting [her] husband’s name removed off of this claim.” However, Kim is not sure if GEICO got their information from her license plate. Kim also says that her insurance company has been unable to locate a police report from the incident, and she is not certain that one exists. Despite this, Kim is willing to provide the bill of sale and Ring camera footage from the sale of their old car to GEICO.
- Key takeaways:
- Kim’s story highlights the potential for insurance companies to make mistakes and pursue the wrong person for a claim.
- Kim’s husband’s response to the claim demonstrates the importance of communication and providing evidence to support one’s case.
- GEICO’s behavior in this situation raises questions about their handling of claims and their willingness to work with policyholders.
As this situation is fairly uncommon, it’s difficult to provide exact advice about what one should do. However, others in comparable situations have claimed that, after providing evidence of a sale, the insurance company is likely to stop pursuing the person who sold the car. In the comments section, users offered their own theories about what is going on, as well as sharing their advice for someone in Kim’s situation. “Sounds like the current owner doesn’t have insurance and GEICO is reaching trying to get someone to pay it,” speculated a commenter. “My husband had something on his insurance pop up a couple years ago for a person with the same name in Ohio and we live in Indiana. His insurance company came back and told us we had to contact the insurance company that had made the claim and I had never even heard of the insurance company,” wrote another. “No ma’am, you need to call an attorney immediately and watch how quickly GEICO backs down once the attorney gets in contact with them,” stated a third. The Daily Dot reached out to GEICO via email and Kim via TikTok comment. While GEICO has not made any official statements regarding the situation, Kim’s story highlights the potential for insurance companies to make mistakes and pursue the wrong person for a claim. As this situation continues to unfold, it remains to be seen how GEICO will handle it.