Even if the claim is legit, which I believe you that it's not. Having it go to collections only after 45 days is beyond ridiculous.

I would've though a normal "bill" would have gone out. Than another with a late fee/miss payment attached to it. Then possibility a certified letter. Which should've taken 3 months.

Still, $1,000 is a lot of damage for a claim that has no police report. Thus no factual time and date. I wonder what the description of said vehicle it was that "you" were driving. Oh wait, no police report.

KOT