Auto Insurance Claims/Car Fire

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Expert: - 4/13/2010


Question
Dear Mr. Cercone

    I had a fire wile performing routine maintenance to my vehicle.  The insurance company seems to be asking every question they could have answered and used against me. Now they want my credit report.  If that's how they check my liability then why didn't they check it in the ten years that I never had a claim. Should I provide it knowing it only could hurt because my credit is poor over the last year.    Thanks

Answer
Jeff,

They are trying to show that you had a financial motive to burn your car. While you may have to give them the ok to check your credit, you don't have to give tax returns. However just because you had motive doesn't mean you set the fire. Nowdays lots of people have motive. Bottom line is that if they can't get you arrested for arson, they have to pay the claim. Their only weapon is delay. So keep up being a squeeky wheel. They will probably under pay the value of your vehicle if its a total loss. So consider the eBooks at UClaim.com for that, as well as what to do if they deny your claim.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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