random thoughts – Day 1,893 – (Friday) – vehicular mystery

A week or two ago, a letter arrived from my insurance agency that they would no longer be writing policies with the auto insurance company I have, but I don’t need to do anything and they’ll reach out with information on the new carrier before my policy renews in August. Ok, cool.

Thursday’s mail included a letter from the auto insurance company. The envelope was thick, like when they send a policy, and I figured it had something to do with the upcoming change. 

The cover letter referenced a file number, a “loss date,” and began with, “we wish to acknowledge receipt of your automobile accident claim that occurred on April 25, 2025.” It noted the enclosed Massachusetts Operators Crash Report that needs to be completed and returned to help with the investigation of my claim.

Ummmmm, come again? What, what? There has been no incident involving my vehicle and I have made no insurance claims.

Sleep was delayed that night as my monkey brain and I rolled back the mental tape of recent automotive events. There was a battery replaced by AAA in my driveway a few months ago, one front tire was low when it got cold several days ago, and my registration was renewed in April. On the date referenced in the letter, I was off from work, hung around the house a lot, and then had a dress rehearsal for a dance show. That’s it. I was 100% sure there was nothing involving damage to or by my vehicle that required a crash report.

First thing this morning I called the claims agent who sent the letter and explained I had no idea what this was about. The agent said that because there was a claim referencing my vehicle from another party’s insurance company, it was policy for them to reach out to me as their customer. The agent noted that I would definitely know if something was wrong with my vehicle relative to the claim filed because it said that my car and another car were both on fire. Burned up.

Yup, I would have noticed (and remembered) if that had been my car. My car is fine. Not burned in any way. Now I’m dying to know who filed this claim and whose vehicles were involved.

The agent said the claim didn’t provide a street, just a city, which seemed odd and added that maybe it’s attempted fraud. I said maybe there was a typo on the license plate recorded or the state was noted wrong, especially with the many license plate holders that cover the state name.

Definitely and thankfully not burned.

In any event, it was definitely not my vehicle, and it seems the follow-up letter is working at ferreting out incorrect information/ potential fraud. Instead of filling out the crash report for the event that didn’t happen with me or my vehicle, I was instead asked to send an email stating that my vehicle was not involved in a fire. Done.

I love a good mystery and hope to learn more about what really happened surrounding this mysterious claim. Maybe I need to find a mature ladies amateur detective club to help me.