by Guest » Fri Oct 29, 2010 01:18 am
my car was stolen 3 months ago and after they stripped it, it was set on fire. my insurance wants to blame me, but i was happy with my car, was never late on payments, and have nothing to gain from it being totaled. what can I do to make them honor my claim.
Posted: Fri Oct 29, 2010 02:18 am Post Subject:
In what way have their accused of your fraud? I'm guessing that they suspect that the theft is not as it seems and are investigating the loss. Have they asked you for anything that is still outstanding? If so, provide it. If not, ask them what the status on the claim is and obtain a time frame for their investigation. You may want to go ahead and file a complaint with your states Dept of Ins. The DOI will ask the carrier to explain the delay and status of the claim. If the carrier is not abiding my the Fair Claims Statutes then they will be held accountable.
If this has been going on for 3 months I'm guessing that the insurance company is looking for an Examination under Oath?
Posted: Fri Oct 29, 2010 11:38 am Post Subject:
If this has been going on for 3 months I'm guessing that the insurance company is looking for an Examination under Oath?
Not only that, but most states require an insurer who "suspects" a fraudulent claim to report it to the Dept of Insurance's Fraud Bureau within 60 days for their investigators to consider following up on.
Something is not quite right if this has been going on for this long without a final determination or resolution. I agree with tcope . . . file a complaint with the Dept of Insurance. Not many perpetrators of fraud would draw that kind of attention to themselves.
Posted: Fri Oct 29, 2010 12:51 pm Post Subject:
If this has been going on for 3 months I'm guessing that the insurance company is looking for an Examination under Oath?
Wow! What's this Examination under Oath?
If the carrier is not abiding my the Fair Claims Statutes then they will be held accountable.
Is it something like those FDCPA norms?
Posted: Fri Oct 29, 2010 07:01 pm Post Subject:
What's this Examination under Oath?
It ain't a day at Disney Land. You show up at an attorneys office with all of the documentation they have asked you to bring. You then answer questions from the attorney with a court reporter taking everything down. It can last an hour... it can last 6 hours. I've never talked to anyone who said it was fun.Is it something like those FDCPA norms
I don't know what that is. Every (?) state has a list of "rules" that an insurance company needs to follow when handling a claim. Usually it's simple things and they make sense. Things like putting all denials in writing, keeping a claimant informed at least every 30 days as to the status of the claim, etc. Some states, like CA, can have _very_ very strict rules and they actually enforce them with a vengeance.Posted: Sat Oct 30, 2010 12:55 am Post Subject: Car Insurance
Go legally, If you are true then why to afraid! Dealing with these Insurance companies is not such a good task!
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