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Auto Insurance Claims/Auto Theft/Total Burn

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Question
This is a follow-up question to one I have already posted.

Since the first question I asked you I had my recorded statement with the SIU guy, and now almost 60 days later NOTHING.  Everytime I ask I get the claim is still under investigation line from the adjuster.  I was wondering if you have a template for a demand letter for this type of claim (auto/theft total burn).  January 12, 2009 will be 60 days and I would just like for the insurance to to either pay or deny the claim so I can take the next step.  

Answer
Hi,

I remember speaking with you a while back. I have no such template and you are at their mercy.
Even if I refer you to an attorney, there is nothing the attorney can do until they deny your claim.

Give me a call if you want to. Http://www.autotheftexpert.com


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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