So, last week I got this letter from my insurance company saying they're investigating me for fraud. Apparently, someone reported that I exaggerated damages after a minor fender bender. Honestly, I just listed everything the mechanic told me was wrong. Now I'm super stressed because I've heard horror stories about fines and even jail time. Has anyone here dealt with something similar? I'm kinda losing sleep over this...
Had something kinda similar happen a few years back. Got rear-ended on a road trip through Arizona—nothing major, just a cracked bumper and some paint scratches. Mechanic listed a bunch of stuff, including some alignment issue I didn't even notice. Insurance flagged it as suspicious because the other driver claimed it was barely a tap. Honestly, I was skeptical myself at first, but after talking with the mechanic again, it turned out the impact had actually messed up some sensors behind the bumper.
Insurance did their investigation thing, asked me for photos and paperwork, and eventually cleared everything up after about two weeks. Stressful as heck though, I'll give you that. I'd say just keep all your documents handy and cooperate fully. Did your mechanic provide any detailed explanations or photos to back up their claims? That might help ease things along...
"Insurance did their investigation thing, asked me for photos and paperwork, and eventually cleared everything up after about two weeks."
Two weeks sounds pretty quick actually... had a similar issue drag on for nearly a month. Sometimes insurance companies just move at their own pace, no matter how organized you are.
- Two weeks is surprisingly fast... my friend waited almost 6 weeks for a similar investigation.
- Makes me wonder if the type of car or policy coverage affects their urgency.
- Or maybe it's just random luck with whoever handles your case... who knows?
Two weeks does seem quick, but honestly, insurance companies can be all over the place with timelines. Had a coworker go through something similar—turned out fine, just stressful waiting. Hang in there, it'll probably blow over soon enough.
