IF you damaged another person's property (including their drainage ditch, for example), then if they know who your insurer is, they have the right to contact that insurer and report the accident and ask for compensation. That does not mean that the insurer will pay, of course, but the communication to your insurer, if it is true and factually accurate, is not illegal.However, if the facts are untrue--i.e. they were not damaged by your actions--then this would be insurance fraud, and you should make your insurer know it is fraud and also file a report with the police.