Auto Insurance Claims/pickup theft


I was working out of state and had my 2003 GMC Sierra 2500 HD stolen. I had many after market features, including  paint matched chip guard protection both on the body and box, upgraded computer programmer,stereo, tires, rims,bedliner,grill and suspension. THIS TRUCK WAS IN MINT CONDITION. My insurance company has just given me a  ACV way below the other estimates I have, including the credit union where I have the loan, and one from an insurance adjuster who was at my job site writing up a vehicle that had been towed in. My pickup had been appraised at 13,900.00, they are offering 9,200.00.  Do I have any recourse?  Can any of these appraiser web sites help?


Unless endorsed accordingly and agents never seem to tell policy holders about endorsements, this is what you end up with--(screwed)
Give me a call at 866-490-1673 today and I will explain as well as the ramifications when you don't take their offer. I have 20 years experience dealing with theft claims exclusively.

Auto Insurance Claims

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Rob Painter, Ase, CFEI, CAFATE


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 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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