Strange insurance story/Question Options

[914bub]

I'm asking you guys and gals since I know some of you have insurance experience and I'm getting concerned. This story is weird.

A week ago today I got a phone call that I let go to voicemail as I didn't recognize the number, and was at work at the time. I got a voice mail from my insurance company, (Geico) asking me to call them back concerning my claim. (IMG:style_emoticons/default/WTF.gif) As far as I knew I didn't HAVE a claim. The first thing that came to mind was my 18-year old I loaned my car too.

So I called them back. The guy took my claim number and asked about my "accident". I told him I hadn't been in an accident. He asked me if merging onto the freeway and drifting a lane over, striking another car "rang a bell", on May 20 2017. I told him, "No" and I asked which car we were talking about. He said ,"the 1987 Volvo". I told him I don't own a 1987 Volvo. He asked if I ever had. I told him yes. He asked if it was ever covered under this policy, I told him, I don't think so. I told him I had gotten rid of the car around November 2012. The car ran horribly with 326K miles on it and was all around worn out, so I bought a Honda Pilot, November 15th of 2012 and quit driving that car.

Here's where it gets kind of strange. He asked if I knew what had happened to the car and I told him yes, I had junked it and sold it to an acquaintance. The person I sold it to owned a junk yard and I had sold him junk cars probably 3-4 times in previous years,(our wives and kids were close so I know this guy more than just "in passing"). While down at his yard shortly after that,(picking up parts) he showed me and my sons the 19987 Volvo crushed down to about 10 inches.

So:

I know I junked the car and Geico's investigation showed that. I also physically saw the car crushed and having been junked the license plates were surrendered to the CA. DMV at that time.

So how did someone"revive" the car for the mystery accident? If you bring it back from junk here you need verification of VIN, brake and lamp inspection etc. It was crushed as well. How did whoever did this scam know that I owned a 1987 Volvo and come up with a VIN number. How did this person know to call Geico especially since I never had that car insured through them?

I have a lot of questions for Geico like where the accident happened as I lived in Santa Cruz when I junked the car and have lived in Modesto now for almost 3 years. How did whoever did this have my driver's license number and all the car and insurance info?

Finally, this may or may not be related but the first week of April I got a rejection letter from a credit card company. It was a card I never applied for and was rejected partly because personal info like social couldn't be verified. Naturally I knew I was at risk so I joined Lifelock immediately. I know some people think that's useless but it was cheap insurance.

Geico called today and said they were rejecting the claim as they showed the car junked years ago and it was never on my current policy. Will I now be sued by the other "driver" or their insurance company since Geico is declining the claim? Any help, insight or ideas would be great.