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About 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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Auto Insurance Claims - Driving along the freeway i hit a rock.

Expert: Rob Painter, Ase, CFEI, CAFATE - 10/31/2009

Question
Hi,

I was driving along the freeway here in CA when I hit a very small rock I didn't even realize I had hit. The rock caused a leak in my radiator and I drove it overheated and the engine is gone. How do you think the insurance company will take this if I file a claim? The estimate for the fix is 5000$ as its a new car.

Answer
Hello,

Since I am not reading your policy, I don't even know if this damage would be covered. The best person for you to ask for exact answers, is your agent. The agent can tell you what is and is not covered under your policy. If not covered, the agent can explain why.

Good Luck!!!

Rob

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