A few weeks ago I received a call from a constable at my local RCMP detachment. She advised me that she received a report that someone witnessed me hitting a vehicle in a parking lot of a nearby plaza and that it had been listed as a hit and run and that I needed some in and make a statement.
This took me completely by surprise. I am the only driver of my vehicle and no not believe that I hit any vehicle, as there is no damage to mine. I went in and made the statement, and that was that, never heard from the RCMP after the statement. I contacted my insurance provider and they mentioned there was no report of a claim and that if anything happened they would contact me.
Fast forward a few weeks and I receive my auto renewal and it has increased 125% over last year's premium (20 years insured, zero convictions, zero claims). I enquire with my brokerage as to why such a huge increase and they advise that I have a 3rd party at-fault claim. As this claim was made by a 3rd party, they have no details beyond the date of the claim, and the 3rd party insurance company. They advise I speak to the Insurance Bureau of Canada.
I speak to someone at the IBC and receive the same response. They have no information on individual claims, and I should speak to my broker. I spoke with my broker again and advised that I reach out to the Alberta Ombudsman, which I plan to do now.
This all seems rather flimsy and I cannot get any details. I have no idea what damage, if any, was incurred on the other vehicle, or the cost of repairs. No idea what evidence there is beyond a supposed eye witness (do they have video evidence to support the claim?). There is zero damage to my vehicle so I am already skeptical. What is to stop anyone from taking down a license plate number and making a claim that they scratched your door, or caused a dent?
What recourse do I have here? I feel as though I need to at least see some evidence.
Would be grateful for any and all advice.