Auto Insurance Claims/where to start


I had a 2004 ford explorer. I had an intoxaloc device removed and two days after the vehicle was in route on highway.without any warnigs of engine light or running hot suddenly cuts off and start smoking and catches fire. How do I go about investigating what caused it. I only had liability insurance so I don't know what my options are can u please give me advice. I had no major  or electrical problems so I want to find out what caused the fire being that the place where I had it unistalled may be liable. Insurance company will not help...can u please help

That's a tough one.  Getting justice in a case like yours may be hard.  It is expensive to get a C&O report (cause and origin), easily $1000.  What you can do is put some pressure on the people that uninstalled the device, and you should take many photographs.  We investigate these types of things all the time, but normally we are doing it for an attorney or insurance company due to the expense.  Determining why the fire occurred is the main thing that has to occur before you can blame anybody and get them in the hot seat.  

In 2004 Explorer's there is a known defect with the vehicle's cruise control deactivation switch, so if that was the cause, you might be able to get some relief that way.  Clearly, your case is either one of product defect, or improper workmanship of the un-installer.  Information is always free at Petty Details, LLC.  Look us up if you need more information and we'll talk about it for free.  

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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