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Question
I am not sure if you can help me, but maybe you can lead me in the right direction...about 3 1/2 years ago..i purchased a motorcycle with the persuasion of my boyfriend( at the time) with the promise he was going to make the payments.. As it turns out, it was a lie..and i was stuck w/ the payments...I intended to put the motorcycle up for sale...but when i came home one evening, i find my boyfriend home saying the motorcycle is gone..i made a police report, made an insurance claim...but they wanted to do a full investigation w/ their lawyers...I had to go to a full deposition w/ my insurance companies lawyers..At that time, i was an emotion wreck w/the motorcycle theft and my boyfriend, who i find out is a drug addict..Needless to say, I didn't get a lawyer to represent me at the deposition and my claim was denied...I put in a complaint w/ the insurance company w/ no results...I think they were under the impression my boyfriend was involved in the theft...regardless I had nothing to do w/ the theft..but now i am stuck w/ this debt...i got myself together after that mess and put my past behind me...but now 3 1/2 years later, Harley Davidson is coming after me to pay the debt off....Is there any way i can have this case reopened...what i don't understand is my insurance company never dropped me after the investigation, i am still using them for my car insurance and if they thought the theft was fraud..why didn't they come after me?...If the police had any suspicions, they never followed through w/ it...I feel the insurance company took advantage of my emotional state at the time w/ the whole claim..Is there a specific type of lawyer I can also talk to about this matter with? Any advice you can give me would be greatly appreciated...
Hello,
Why don't you give me a call at 866-490-1673 and we can discuss. Trying to revisit a denied claim after 3 1/2 years is difficult, but not impossible. I need to speak with you for details.
Maybe your boyfriend did take the bike or had it taken, but unless he was on the policy-so what? And even at that, there are other considerations.
Here is my opportunity to brag (yes opposing experts I am bragging),last week, yet another case in California, an insurance company paid on a claim denied a year and a half ago, because of my intervention without going to court!
Is it bragging? Or are the opposing experts just sore losers because of the inconsistencies in their "forensic" reports and the truth is interjected, the "forensic" expert's existence is moot?
In the latest forensic report from the opposing expert it is stated "I removed the ignition lock." Then 2 paragraphs down it states "No parts were removed."
Give me a call any day up until 11 pm central. If I don't answer, please leave a vm and I will call you back.
http://www.autotheftexpert.com
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Answers by Expert:
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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