*Loan,banking and credit>>>accident insurance

Can a person make a claim against my insurance company for an accident that never happened? No police report.?

My son was driving my vehicle while out on a date with a young lady he'd met. He says that the woman got extremely intoxicated, started acting crazy, and jumped from truck while it was moving down the road at about 15mph. About a year and a half later, the woman is making a claim against my insurance company claiming that my son ran into a fire hydrant and now she has a neck injury. Of course the woman never made a police report because the police would have wanted to see the truck, and therefore would have seen that there wasn't any damage; but her claim is that she didn't make the report because she was scared. This all happened in MN and my question is what can they do? Will my insurance pay this bogus claim? I am a little nervous because she has some attorney who has taken up her case.

Turn this matter over to your insurance company and let them deal with it. Adjusters have ways of gathering evidence to proof or disproof a claim. For example, if your son hit a fire hydrant, where is the damage to your vehicle. Even repaired damage will display evidence when inspected.

As for the police report, the lack of one doesn't prevent her from filing a claim and/or lawsuit against you. Source(s): Years and years of claims experience

I very much doubt they would pay, as there is no police report and no evidence that the accident happened.
Get as much proof as you can to back up your son and keep it in a file. This is a he say/she say, so good luck! I don't think your insurance company will pay her anything, however that doesn't mean she will stop at a denied insurance claim.
The insurance company will call and get your side. Without a police report and no evidence (as long as it really didnt happen), they will likely put their own attorney on the case and fight it. Its possible they could always settle so as to avoid legal fees, but given how slam dunk this sounds, it seems unlikely.
I am sorry to hear that this is happening to you. Unfortunately, there does not need to be a police report for an insurance company to pay out on a claim.

The fact that this accident never happened needs to be brought up again and again with the insurance company. Make sure they know that this did not happen as she says it did. Unfortunately when it is he said/she said, the insurance company may pay or not and they have every right under the policy to go either way.

My advice would be to be adamant with the company that this never happened.

I hope this helps!
10+ years in insurance