Auto Insurance Claims/withdraw a claim

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Expert: - 1/21/2009


Question
my question is my insurance co suspected fraud and they said i can withdraw my claim. what happens if i withdraw my claim.

Answer
Hi Karen,

I think if you are referring to a theft claim, you need to go to the last link on the site http://www.autotheftexpert.com dealing with insurance denial.

Chances are real good that your name has been put on a secret list shared by all insurance companies as committing insurance fraud. Try submitting a claim with any insurance company in the future.
Chances are very good that you will be denied in the future.

If you had a part in the theft of your car, be grateful they won't prosecute however, if you had nothing to do with the theft, fight them tooth and nail because most act like the john Grisham movie "Rainmaker."

If you are innocent and the insurance company states they have a forensic expert that determined a key of the proper type was used, you need to fight it. 99% of the time the insurance experts favor their client and will implicate the insured.
I commonly oppose these "experts" and our side commonly prevails becuse it is found their conclusions are not based on fact, but merely their opinion as a locksmith that would need to make a key to steal the vehicle.

You did not state where you are located, but in Michigan, the experts in many cases have no automotive background whatsoever!


You need to check out the site I referrenced. It will answer many of your questions.

Rob  

Auto Insurance Claims

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Rob Painter, Ase, CFEI, CAFATE

Expertise

Please remember. I am not an attorney and cannot legal advice. My answers are based on my experience due to litigation I have been involved in as an expert, for both insurance companies and while oposing them opposing them. I deal with only comprehensive claims on autos related to fire and theft. I have even had the opportunity to rewrite policy coverage language as it relates to vehicle theft and forced entry for insurance defense attorneys.

Experience

Experience in the area: Working with insurance companies and attorneys on these issues for over 20 years. It is very common to have a reported stolen car with a so-called factory anti-theft system to have the theft claim denied. I have served successfully as an expert witness in the courts across the US representing the insured and their attorney revealing that the insurance expert did not take all known theories into consideration before rendering their "Forensic" conclusion. Many insurance carriers us independent "Forensic" experts to examine reported stolen vehicles commonly using flawed methodology implicating the innocent insured with the theft. My job is to determine if the insurance expert reached his conclusions based on accepted scientific principals or just net opinion with no basis other than opinion. My case record against such experts is very compelling.My resume can be seen at the catagory "Auto Theft and Prevention." In "Forensics" the scientific method must be employed. In the forensic locksmith field determining how a reported stolen vehicle was last operated, many processes cannot be duplicated and are conveniently not addressed. If they were, juries would have the opportunity to make a fair and impartial opinion at least about what the expert could or could not prove. There is a purported process determining the last key used. The chances of determining such is very rare uless the key is found in the ignition lock. Experts commonly destroy evidence as well and are rarely questioned on this event. I reveal the weakness in their testimony on such instances.

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