by selfdefense03 » Tue Oct 02, 2012 06:55 pm
My home was burglarized in July, I filed my claim and out of spite, my ex-wife called and said its a fraudulent claim when she caught wind of what happened. This opened a door of nightmares with questions and a statement under oath which my insurance has the right to do. I spoke to my pastor and he said its not worth the stress alone to continue this and to withdraw my claim and leave it in Gods hands. I've already replaced most of the stuff that was stolen since so much time has passed. What are the steps to just withdraw the claim. I don't want to be someone who has a stroke over this or something. I already work and live in a stressful environment. Thanks in advance.
Posted: Mon Oct 29, 2012 05:55 am Post Subject: insurance claim
my boyfried ran the car through some water and damaged the engine on 9/28 and i reported it on 10-3.... the insurance kept saying they are investegatig on friday they called me in for a recorded interview.... they had records that the car went to the dealership for service and the said it needed a new engine.... can i withdraw my case for them not to persue me for fraud?
Posted: Tue Oct 30, 2012 12:25 pm Post Subject:
can i withdraw my case for them not to persue me for fraud?
You can always withdraw your claim. But fraud is fraud, whether you complete your criminal act or not. Enjoy your 2-3-4-or-5 years in prison.
Posted: Mon Nov 12, 2012 08:31 pm Post Subject: Claim
My house had been broken into 3 times,it's usually when I'm at work. The 1st time I didn't report it because the window they came through was not locked,it wasn't opened but it wasn't locked either. The 2nd robbery they broke a window and took about 4k worth of electronics, I filed a claim and everything went ok..now just 2yrs later my house was broken into again and this time they cleaned me out rufflly 15k worth stuff..I filed a claim but of course I was red flagged and now under investigation... What can I do..I did nothing wrong but don't want to be under all this investigation stress...what do you suggest? Thanks
Posted: Mon Nov 12, 2012 09:15 pm Post Subject:
If you've done nothing wrong, you should have nothing to worry about. You might consider a central-station alarm service in the future.
Posted: Thu Apr 18, 2013 10:40 am Post Subject:
I am a bit late coming in on this topic, but I just wanted to lend support to "selfdefense03" (the "OP") and let him know that I understand his point of view. I was happy to see that some folks in the industry could relate to his perspective and concerns, while at the same time offering him some sound advice.
At one time I too was an investigator. Sadly, one of the occupational hazards of any investigative profession is the tendency to perceive the target of an investigation as a potential (even likely) wrongdoer first, an innocent party second. That the OP might choose to not pursue his claim automatically throws up a red flag as to his likely guilt, when other more benign reasons may be just as likely. I saw several examples of this "assumed guilty" mindset in the comments, one of which I found particularly unkind and callous.
It doesn't seem to occur to many investigators that a person in the OP's situation may be unfamiliar with the claims process and the documentation necessary to justify a bonafide loss. Not everyone has receipts for items of value (especially used items purchased for cash) and those who do may not be able to easily locate them. While some of us may keep an organized filing system, with easily retrievable records containing photos and proof of ownership for everything we have purchased over a lifetime, not everyone is disciplined (or anal) enough to do that.
Thus, an insured with a bonafide loss (yet no documentation) may "do the math" and choose to cut his losses and not pursue a claim, realizing that he probably will not be able to meet the investigator's standard of what constitutes satisfactory proof of ownership. Why invest the time excavating through every piece of paper in the home, especially if the insured is fairly certain that the effort is likely to bear no fruit in the time he has available to devote?
There is also the risk of blowback from such an investigation, especially for those who live off the grid and whose lifestyle and buying habits could be easily misunderstood by investigators who are not capable of thinking outside the box. At one time I worked with several investigators prone to this particular form of tunnel vision, and they were automatically suspicious of anyone who walked a different path or hailed from a culture or industry with unfamiliar (to the investigator) customs and norms.
Why should such an insured invite the hassle of potential unintended consequences that could bring unnecessary stress and expense (in terms of time and money) into his life? Anyone who believes that innocent people who have nothing to hide should not be fearful of authority and the ways they can mess up your life in the process of establishing your innocence are truly naive about how the real world turns.
Posted: Fri Apr 19, 2013 06:53 am Post Subject:
Before 3 months, my home was burnt. I informed that person who had gave me the policy of home insurance. He came and insured the all situation and made a victim. After that I claimed and I got whole amount of policy.
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