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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 - auto policy claim

Expert: Rob Painter, Ase, CFEI, CAFATE - 11/8/2009

Question
i moved from NY to Ga last year and did not inform geico to reflect the change. i was involved in an accident in Ga last month, geico was paying my medical and disability bills, now they have stopped paying because i did not inform them of my change. can they do this?

Answer
Hello,

Depending on your policy language, yes they can.

I currently have a similar situation, however I am being a snow bird residing down south until it gets warmer. I do however still have a residence in WI.

My agent is fully aware of the fact that I am temporarily out of the state of residence. It would be stupid to change D/Ls and ins every 3-4 months.

It seems though you have been gone from GA for a year and the ins company's argument could be that you did not tell them of the move to possibly save money on the premium.

The other problem is that your insurance is rated for a specific area. Cost is measured by the amount of accidents in that region etc.

You may have coverage problems.

Rob

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