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 Posted: Wed Jul 22, 2009 5:01 pm Post subject: |
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| @tscope...i understand where you are comming from and i am thankful for your candor.... i made a choice to roll it over because in my mind i planned on keeping the car 4ever and the life-time warranty made since to me rolling over the 6g's was a point i thought about but i decided to run with it. You can throw all the red flags, yellow cards, or technical fouls you want, but when it all boils down to it i know that i had nothing to do with any of my cars being stolen or vandalized and i hope that the people who are investigating can come to same conclusion |
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COUNTRYCOY
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Joined: 21 Jul 2009
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| Posted: Wed Jul 22, 2009 5:07 pm Post subject: |
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If there is no _proof_ that you had anything to do with the loss, then it should be paid. Yes, these "flags" just initiate a more in depth investigation. A note... most states _require_ insurance companies to have a staff of special investigators based on the volume of business in that state. The main job of these people are to investigate suspicious claims. One reason why the state mandates this is because insurance is needed (and in some cases, required) in order for commerce to flourish. as such, premiums need to be as low as possible. If carriers just paid claims and increased rates to compensate, many people would not be able to afford insurance. So the state has an interest in insurance companies keeping rates as low as possible... and they also regulate those rates. So this is all a normal process.
As Lori pointed out, the fact that there was a prior fire loss is enough to start an investigation of this type. |
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tcope
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Location: Salt Lake City, UT
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| Posted: Thu Jul 23, 2009 11:29 pm Post subject: |
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| Quote: | | my car wasnt stolen in this present claim. It was broken into and my head unit cd/dvd player and 2 "12" inch sub-woofers and amp were stolen and then the car was set a fire. In the eyes of the cliams rep is that not a little bit different? just wondering... |
No, it won't make any difference, other than, if you didn't have rental on your policy with a full vehicle theft most policys still provide a rental up to 30days. I apparently mis-read your OP I thought it was stolen then found burned up. Really though it will make no difference.
Tcope is just trying to help explain why there is a special investigation going on surrounding your claim...It's all the red flags. I understand too that some people just have really bad luck...And they will too. I'm sure you had nothing to do with the claim, they just have to make sure they've turned over ever stone. This takes time...Be as patient as you can, offer to assist in anyway you can to expedite the investigation.
RE: Your rolling over that other loan...it's never a good idea, but what's done is done. The problem you are going to have is (as t pointed out)...even if you have gap coverage, assuming your vehicle is a total loss, you're going to be left oweing 6k and no car..
If you'd like post 'which' magnum it is (SRT-8, R/T, R/T AWD,) the mileage, and all the options and I'll run a value for you...also the state you are in...and we'll see how you're setting ACV wise.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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