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My car insurance has the wrong VIN number listed. Will that raise rates?

blacksoxing 1,233 January 27, 2010 at 05:45 PM
I'm not an expert on things like this, but I'm sure there must be an insurance specialist on here...

I don't know how long there has been a mix-up honestly. My first company I went with was going to raise their rates so I switched about a year ago and saved about a hundred dollars. I was going to compare rates again today and noticed my VIN number on my card was saying invalid online. So, I went to my car and yep, different numbers

I was going to call my insurance company and inform them but I don't know if this will raise my rates. I guess I will tomorrow, but, I want to be prepared if I have to see a higher number or not.

Anyone can definitively give me some advice?
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Joined Jan 2008
L10: Grand Master
487 Reputation
#2
It could make a difference. I know that the differnece between my M3's vin and the regular 3 series only has 1 letter difference. Mine starts as WBS as the regular 3 series starts with WBA.
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Joined Apr 2006
World dominator and rebel
2,639 Reputation
#3
update the VIN, if something happens to your car, you want that VIN number to match yours...it might be a higher, it might be lower, or there may be no change....it all depends on the features of the car compared with the wrong VIN's one
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Joined Oct 2008
O.G
1,233 Reputation
Original Poster
#4
the thing is...i used a carfax to search for the VIN...and it doesn't exist!

So....my insurance has been using a bad VIN # for almost a year. Baffles me because you'd think if someone ran that number and found that it didn't match anything...they wouldn't have completed the underwriting...

Unless underwriting doesn't really exist!
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Joined Aug 2005
Baldilocks
2,041 Reputation
#5
Maybe your car insurance is right and the VIN on your car is wrong.
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Joined Feb 2009
L1: Learner
10 Reputation
#6
I'm an insurance agent and that problem does rarely occur. Call your agent and have them update the VIN. As long as the year make and model match your actual vehicle then the difference will be nominal. If you don't do anything I can promise you in the case of a claim your pay out will be delayed due to this issue. Save yourself and everyone else the hassel and call your agent and correct the issue.

Ty
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Joined Sep 2006
skinny2by4
415 Reputation
#7
it's a felony to commit insurance fraud in all 51 states.
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Joined Oct 2007
just passing the time....
381 Reputation
#8
Quote from tymeador View Post :
I'm an insurance agent and that problem does rarely occur. Call your agent and have them update the VIN. As long as the year make and model match your actual vehicle then the difference will be nominal. If you don't do anything I can promise you in the case of a claim your pay out will be delayed due to this issue. Save yourself and everyone else the hassel and call your agent and correct the issue.

Ty
IMHO - Depends what digit or digits of the VIN number is incorrect the difference could be nominal or a little more. Is it a performance indicator? Does the digit change the car from 4 to 6 cycl? http://auto.howstuffworks.com/buy...ng/vin.htm
Ford Explorers (for example) can be symbols 8-10+. Not a substantial increase but could be noticeable on a policy that is already high. Insurance company can run a CLUE report with the corrected VIN and find out previous history. Just a thought. DontknowThen again the OP could be over paying for a year.


The most important thing is that insurance companies report to DMV's that VIN#..... has insurance with no lapse in coverage. If you have a lapse in coverage you could pay a penalty, have your registration suspended/reinstatement fees and heaven forbid something happens - have to explain to a Police officer that you are insured and don't know why the ins. company has an incorrect vin.
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Joined Dec 2007
L4: Apprentice
247 Reputation
#9
Which #s are wrong? If it's the last few, it's just identifying your specific vehicle (like a serial #). If it's one of the first 9, it could potentially be charging for the wrong vehicle model or trim level.
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Joined Oct 2008
O.G
1,233 Reputation
Original Poster
#10
The next day after making this thread I went to a rep up the road from me and he just took a picture of the correct vin and faxed it over to the rep on the other side of town

A day later I got new insurance cards

And I just got my bill for this month. Same rate.

I'm still wondering though how that happened because in Hattiesburg, it's full of highways and old people. Horrible combination! I'd hate to get hit and have the wrong info on my insurance
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