ACA International Being billed for something that isn't mine Ripoff Newton Massachusetts

Thank you, Sherri, for pointing out that intimidation is the name of the game. Maybe now the Insurance Employee will understand that people don't appreciate being hounded for something that is not theirs.

They are a collection agency, specializing in collecting for insurance companies. They are idiots. I just had to send them a "cease and desist" letter, as they were dunning me and calling me non-stop for the grand sum of $29. Problem was, Allstate had sent ME a REFUND due to overpayment, a concept that seemed to be over their heads.

They are blowing smoke...if the police report shows that you were not liable and you have valid insurance, they can report you to the DMV all they want (they don't have the authority to do so) and nothing will come of it. They are trying to intimidate you into paying money you don't owe. IF there were a valid case against you, the supervisor's insurance company would have pursued you themselves. Check your credit report and if there is a negative tradeline from these people, DISPUTE. They will have to validate or remove it.

You are wasting you're time trying to talk to these people..the facts be damned, they want to separate you from your money. Do not send these people a penny.

I just wanted to help obviously you just want someone to argue with.

I went back and read my post and didn't see anything that even hinted at "attacking" your post. My suggestion that she involve the State Insurance Department versus having to drag this out through insurance company litigation makes sense to me (even if it does not to you). I don't know about MA, but if I am NOT involved in an accident and there is no police report that says I AM involved in an accident and no witnesses the say I AM involved in an accident, I don't expect an insurance company to start sending me notices out of the blue that I need to pay up on an accident I WAS NOT INVOLVED IN. And if that does happen, I would consider it attempted extortion, nothing less. And I should have to involve my insurance carrier to protect me from an accident that never happened? I don't know about you, but I think there is something definitely wrong about this picture.

#1 I do not appreciate your attacking response to mine.

#2 I am not the insurance company and I don't work for ACA International, and have never heard of it for that matter.

#3 I am a Subrogation Investigator and I see stuff like this all the time. The information I gave is exactly how I would handle the situation myself if I were in origianl posters shoes.

Subrogation is a civil matter no one needs to have any charges against them to be persued for subrogation.

Another example of subrogation is when you went to your dr office and paid full price for your vist and the insurance also paid for the visit. Your insurance company would subrogate the dr. office to get the money back for you. Hence this has nothing to do with being charged with anything.

If the matter is left undisputed or unresolved then this could be brought to court and a drivers licence could be suspended. I tried to help because I didn't want to see that happen to someone who didn't do the deed in the first place. this is my line of work. I help people dispute thier subrogation claims.

Once again being charged with something would be a criminal matter, this is civil.

And there are ways to dispute your case. I am sorry that you felt you had to attack me for using my knowlege of subrogation to try and help someone out. I do it all day at work, I didnt have to bring my work home to help someone and I probably never will again. Thank you.

Let's see. Original poster was cleared through police reports. Original poster was never charged or convicted or even slightly shown to be guilty of anything. I suggest original poster contact the State Insurance Department and let them know that an insurance company is attempting to intimidate original poster into payint something that is not theirs to pay. Make sure you contact the Insurance department in MA AND VA. How convenient for the insurance company to make the orignal poster prove they don't owe anything.

Subrogation is the process by which an insurance company pays out to the insured and seeks reimbersment from a responsible third party. Usualy an uninsured motorist. This agency CAN and probably WILL initiate a license suspension with the DMV, this needs to be taken seriously.

There area couple things you can do...

#1 Give them your insurance information, people think, "If I do that they will bill my insurance company" or "my rates will go up" This is not nessicarily true, you pay your monthly premium so that they will dipute for you if you have an incident. If you were not involved they WILL dispute that for you in arbatration, this is what you have hired them to do.

#2 If you know who did do this and they are a responsible individual they can send the comany a notorized letter of responsibility. This needs to say that they are taking the responsibility for the incident and include thier phone # address and the file or account number with the subrogation company. This letter then needs to be signed and notorized.

#3 If you didnt have insurance.... unfortunately there is little you can do because your state does mandate mandatory insurance coverage. A lawyer MAY be able to get you out of this.

The thing is this company has to go by the assumption the client has a valid claim until documentation is received to dipute the validity of it. The absolute best way to do this is have your insurace company activated, they do this sort of thing all the time.

If you are just receiving "letters" then you have little to worry about. They are most likely automatically being printed and mailed to you on a monthly basis. Anyone can mail you a letter saying you owe them money. When they arrive, treat them like "junk mail". If the company is really serious about the matter, they will get more serious with their collection process. In the meantime don't worry.