Last Friday my neighbor sent a text to my fiancee claiming I did damage to his car because I backed up too close and sprayed rocks on his car when I left the house one day. We have a gravel driveway, and he was asking for my insurance information.

    There are 3-4 nicks smaller than the head of a pin in his windshield and ONE the same size on his fender. He claims they are 'rock chips' but there aren't even cracks in the glass, it's all surface. It's literally some regular wear and tear shit. He has a picture of some tire marks left in front of his car, so he was saying I did it.

    There's no actual proof that I did it as he didn't see it happen and there's no video to prove that I left them, but even if I did, it would be even harder to prove the chips actually came from those tire marks.

    But since I'm not a jerk and I saw the damage was so light out of goodwill I said it was possible it could have been me so I was willing to give him $300 to cover rock chip kit and touch up paint as he said himself the damage was so light he figured he could do it himself. Which was generous as a rock chip kit is like $30 and he ALREADY had touch up paint which he USED on the car for other nicks that he said it already had when he got it from the dealership. I told him we'd both be careful pulling out of the drive and I didn't see the need to go to insurance as it wasn't damage that would go over a grand and also there was no real proof it was me.

    The next day he comes with an invoice claiming he needs a windshield repair for $900 and needed $300 for touch up paint. We asked if he had anyone look at the damage he said no. We offered to go with him to see a professional and ask if rock chip repair could be done and if a windshield replacement was needed and if so we would pay for it. He said no he didn't want to do that and kept insisting the windshield is structurally unsound but refused to have anyone look at it. Because he obviously knows that if we all go together we'll get to witness a professional telling him it's stupid to ask for a new windshield for this and that it's probably not even worth fixing.

    He then said he'd go through his own insurance but the deductible was $500 and I said fine I'll pay it but it will be a check to your insurance or to the shop that does the repair. He wasn't happy with that and kept insisting on getting my insurance. I didn't give it to him.

    Today I get a call from my company saying that I have a claim. I'm beyond fucking pissed and shocked that it even went through because as I said the 'damage' is at regular wear and tear level. I don't even know how he got my information. I'm wondering should I just deny it and say there's no proof or tell them that I offered him solutions out of goodwill and tell them I think he's trying to commit fraud? I don't want them to try and take the fact I did offer to compensate him as admittance of guilt. Any other advice as well?

    Thanks all.

    I think my neighbor is trying to commit insurance fraud against me
    byu/Aelis_ inInsurance



    Posted by Aelis_

    6 Comments

    1. insuranceguynyc on

      Explain the situation to your insurance company and let them handle it. Trust me, it ain’t their first rodeo!

    2. MimosaQueen1122 on

      Your insurance will investigate, give them the burden of proof that it is wear and tear, and then they’ll do what they need to do as well. more than likely they will deny as a word versus word

    3. InternetDad on

      Insurance companies get flack for “doing whatever they can to not pay”, but adjusters are smart as hell and won’t play his game. Burden of proof is on him.

    4. geeb_ripper on

      Tell your adjuster all of this. Don’t pay this dude shit let your company investigate the claim and handle it since it’s already been filed. Your company will probably send an experienced appraiser to inspect the damage. They know what they are looking at. Even if they do pay him they will make sure they are paying what they owe and not more.

    5. fascinatedobserver on

      Does he have a video of rocks hitting his car? If not, he should go kick rocks himself.

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