I'm with Johanna on this. It is how they handle claims.

I had ONE claim. A black man insisted that I drove over his feet coming out of a parking garage, which is where I had my monthly parking back when I worked. He wanted all kinds of compensation.

Yes, I parked in that garage; never saw this man in my LIFE!

He filed a claim against my insurance company. He had a buddy who did maintenance (sweeping and such) in the garage, who accessed the files to learn who my insurance company is.

My ins. co assigned one of their investigators - he tailed the guy for a week taking pics of him walking, NOT using his wheel chair. Then my ins. company searched and found this man has made 18 claims in 4 years, and recovered on many of them! With the so called "discount" companies.

We actually went before the arbitration board, me with an attorney from my ins company, armed with all the info from this man. The Board listened to his tale of woe, asked for his medical documentation. He didn't have any, SAID he would send it in later and of course it never showed up. Then listened to me, which was very little as I'd never seen this man before in my life. Then my lawyer presented all the info their investigator had collected.

It was continued for 2 weeks, to give him time to get his medical records in. When nothing arrived, the whole thing just went away.

My insurance company spent a LOT of money on that case. Result: NOTHING on MY record.

It is difficult if not impossible to prove a negative. How can I prove I did not run over his feet, did not even know the guy? I CAN'T. That is what he relies on.

I truly believe that if I had one of the discount companies, this claim would have been paid, I would have one accident, personal injury resulting, on my record.