Kibbey Wagner | November 12, 2025 | Personal Injury
When you face a false insurance claim — meaning someone else has made a claim against your policy that is incorrect, fraudulent, or without your authorization — it can be a stressful situation. If you live in Florida and this happens to you, it’s important to know how to respond, protect your rights, and take the right steps.
This article explains what a false insurance claim is, why it happens, how to gather evidence, how to talk with your insurer, when to involve regulators or attorneys, and how to resolve the matter.
What Is a False Insurance Claim?
A false insurance claim can come in a few forms. It might mean someone is claiming a loss or injury that did not happen, or they are exaggerating damages. It could also be a claim filed under your name or policy without your knowledge.
Such claims create serious problems for you: higher premiums, loss of coverage, or even legal troubles. In Florida law, it is a crime if a person knowingly, with intent to injure, defraud, or deceive any insurer, files a claim containing false or misleading information.
Why False Claims Happen and What They Mean for You
There are various reasons false claims occur. Sometimes, they are attempts at fraud by others who knew your policy information. In other cases, they may be the result of miscommunication, paperwork errors, or someone else filing under your name or your policy number incorrectly.
When a false claim appears on your insurance record, it can lead to premium increases, coverage problems, or being wrongly labeled at fault.
Steps To Disproving a False Insurance Claim
False or unauthorized insurance claims can impact your coverage, raise your premiums, and even cause long-term financial issues. If you see a claim on your record that you didn’t file, it’s important to act quickly.
Here’s how to dispute it step by step.
Gather Your Policy Information
Start by collecting the basic documents related to your insurance coverage. This includes:
- A copy of your insurance policy
- Your declarations page
- Any emails or letters you’ve exchanged with your insurer
- The claim number and details of the disputed claim
Having this information readily available helps you clearly identify the issue and prepares you to present your case.
Find Proof the Claim Is Invalid
Next, gather specific evidence that the claim was not filed or authorized by you. This may include:
- Records showing you weren’t involved in the incident described in the claim
- Documents or messages proving you did not submit or authorize the claim
- Notices from your insurer confirming a claim was made under your policy
- Evidence that your policy was canceled before the date of the claim, or that the event falls outside your coverage period
Organize these materials in a folder—physical or digital—so you can easily reference them during the dispute process.
Contact Your Insurance Company
Once your documentation is in order, contact your insurer’s claims or fraud department. It’s best to do this in writing (email or certified letter) to create a record.
In your message, include:
- Your full name and policy number
- The claim number you’re disputing
- A brief, clear statement that the claim is false or unauthorized
Attach copies of your supporting documents. Ask the insurer to investigate the claim, remove or deny it, and correct any records related to your policy.
Keep Track and Follow Up
Keep a detailed log of every interaction with your insurance company. Note:
- The dates and times of calls or emails
- The names and roles of any representatives you speak with
- A summary of what was discussed
After sending your dispute, continue to monitor responses from the insurer. If you don’t hear back within a reasonable time, follow up to ensure your case is being reviewed.
Taking Charge of Your Insurance Rights
False insurance claims can feel overwhelming, but you are not powerless. If you live in Florida and find yourself dealing with one, you now understand what a false claim is, why it matters, how to gather evidence, how to communicate with your insurer, when to involve regulators, and when to seek legal advice.
Taking action sooner rather than later gives you the best chance to protect your insurance rights, your premiums, and your peace of mind. If you need legal help, reach out to Kibbey Wagner Injury & Car Accident Lawyers to discuss your options. We offer a free consultation with a Florida personal injury lawyer.
For more information, please contact the Stuart, Port St. Lucie, or Palm Beach Gardens personal injury law firm of Kibbey Wagner Injury & Car Accident Lawyers to schedule a free consultation today.
We proudly serve Martin County, St. Lucie County, Palm Beach County, and its surrounding areas in Florida:
Kibbey Wagner Injury & Car Accident Lawyers Stuart
73 SW Flagler Ave
Stuart, FL 34994
(772) 444-7000
Kibbey Wagner Injury & Car Accident Lawyers Port St. Lucie
1100 SW St. Lucie West Blvd. Ste 202
Port St Lucie, FL 34986
(772) 247-3374
Kibbey Wagner Injury & Car Accident Lawyers Palm Beach Gardens
300 Ave of the Champions Ste 170
Palm Beach Gardens, FL 33418
(561) 944-4000
