by Guest » Tue Jul 29, 2008 01:15 am
well here it is, my truck was stolen july 5. when i found out i reported it to the the police and insurance company immediately. The claims rep so far is very nice and helpful. they found my truck 3 days after i reported it stolen, the claims rep calls me and tells me that it is a total loss and that it has been burnt up. the claim rep came to my house and took a recorded statement from me with the details of what i was doing during the moment the truck was parked at a train station. of course the insurance company give me a rental, i ask my claims rep what should i expect next? he says that they have to actually check the truck out and do a couple of other thing in regards to paperwork. I then explained to him that i have to drive roughly 30 miles a day each way for work how long will i have the rental for. 30 days, so now we are 23 days into the claim and everytime the claims rep "updates" me he basically says it is still being investigated. But no one is actually telling me what is goin on, at first they were checking at the train station for cameras, i havent even heard anything about that. i tried to call my claims rep today, he is off on mondays. so i spoke with another claims rep who left a message for a supervisor to call me back. i explained to the claims rep that im getting concerned because we are coming up on the 30 days on the rental and i need to figure out how i will get to work everyday, it would be nice if i had a time frame in which this will be wrapped up. he left a message for the supervisor to call me bcak, i was at work and couldnt answer my phone. the supervisor basically said in a very authoritative tone that the rental expires on the 30 mark and that i am responsible for anything after this, and that they reserve the right to investigate the claim beyond this time frame. not once did i ever yell at anyone or the tone of my voice ever go beyond being polite. whats the deal here, i dont appreciate this guy basically just tellin me so what its your problem. I mean that is how i feel right now, he also went on to say that the claims investigator will be contacting me to collect a statement from me. i already gave a statement to my claims rep. what should i expect from here, i have no other way to get to work and i have a feeling that this is going to beyond 30 days. thanks
Posted: Fri Aug 22, 2008 01:02 pm Post Subject:
They will check and double check everything...do they already have your phone records? They will check these as well...are you the OP or is this a new post? If new we kind of need to know the facts surrounding the loss, and the reason that fraud is suspected.
Posted: Fri Aug 22, 2008 03:12 pm Post Subject:
i am the op, i did submit phone records for both my wife and myself. they also went on to say that they had the ignition examined by a forensic specialist and he has determined that a key was used to start the vehicle. and that said key is a coded key for the vehicle. my keys do not have chips in them, nor did i ever have coppies made, and both keys were with me and my wife. could someone be reaidn the report incorrectly from the forensics expert?
Posted: Fri Aug 22, 2008 09:32 pm Post Subject:
Sure they could, or the thief could work for the dealer etc...somewhere that he/she would have access to getting keys....the thing that got your claim all messed up was the burn after the theft....ask for a copy of the forensic report...then look it over yourself good, also maybe you can call the expert and talk to them about it, and if there are ANY other possiblitys. Man we are coming up on two months! Nothing else has happened except finally the EUO?
Posted: Fri Aug 22, 2008 09:33 pm Post Subject:
Sorry, remind me were your finances ok? no late or missed payments, (especially vehicle payments) no loss of jobs lately ? no prior burns (of any kind) or theft?
Posted: Fri Aug 22, 2008 11:41 pm Post Subject:
i have switche jobs voluntarily in the past year, every job opportunity has presented it self with better wages and benefits. finances are ok i would say. my cc are close to the limits but no collections, no late payments. my wifes finances are great, she is really good with money. and NEVER, NEVER, NEVER have we been late on car notes, loans or mortgage. maybe a few late payments on cc in the past year. the investigator did call me and question some deposits on my acc, past jobs were not only hourly but commision based jobs. so they owed me money, and back pay from previous jobs, in addition to money that i may have loaned out to family memebers. they pay me back, and the money goes into my acc, i mean who just walks around with money in their pocket. if i already have 40-50 bucks on me and i get a check or some cash im going to naturally put it into my account, not just walk aroung with it for no reason. i do have 2 car loans that they questioned as well. when i bought the truck, i gave my old car to my mom with the understanding that she is totally responsible for paying the loan. i paid the loan biweekly and my mom reimbursed me for the payments with either check or cash. this investigato turns around and asked for my mothers contact info. he calls her and starts drilling her with questions about why is the car still in my name if she is purchasing it, and what is the deal why am i driving it now? my mother politely explained the deal that we had worked out in detail what we were doing and that she is lending me the car in the mean time until i can get another one. the car will be going back to her once i get situated through this. he then asks her if he minds if he records her statement. now my moms health is not the best, roughly over the past 5-6 years she has had about 4-5 abdominal surgeies for various reasons. the investigator calls my mom as she is coming out of the doctors office and she is in horrendous pain, has been for about 3 months now. she finds out that not only is there a possibilty that she may have ovarian cancer but she has 3, count them 1...2...3.. hernias. so needless to say she is really in no mood for an interogation. after he asked her if he could record her statement and to repeat herself again, she explains to him that she can barely walk and that she is leaving the doctors office as we speak, that she is in no condition to go through this right now, it hurts for her to even speak and she politely told him that she had to go.
Posted: Sat Aug 23, 2008 12:10 am Post Subject:
and also i am ahead on the loan for the car that i gave to my mom, i paid it up for about two months because i knew that at some point in time she would be getting surgery yet again for what ever reason. her health justa hasent been the same since she had the gastric bypass.
Posted: Sat Aug 23, 2008 10:39 am Post Subject:
POOR MOM! wow! (I'll certainly say a prayer for her recovery)...She handled that wonderfully and better than I would've! I reallly don't understand their questioning your finances to this degree. Late, missing payments financial trouble, yes, that's a motive to steal and burn a car, depositing money, no...big withdraw to pay the theif maybe but that's a stretch....
Were I you, I think it's time to tell them to "Put up or shut up you've been a stand up guy and helped all you can...they have more than enough information to make a decision...pay it or deny it either way you're filing a complaint with the Dept of Ins...and the next step is getting an attorney and pursueing a bad faith claim...this has went on too far, and you pushed the evelope buddy when you messed with my mom!!!"....then DO IT...
Please do let us know how it's going and if we can be of any further assistance, which company and what state again? This is just stupid at this point..i figured it was all settled by now! man carriers like this really tick me off...I see the red flags in the claim, but once they are lowerd, pay the damn thing! Sorry gives my job a bad name!
Posted: Sat Aug 23, 2008 12:31 pm Post Subject:
the company is progressive, in the state of ohio. thank for your concerns about my mother. it is very kind of you to have her in your prayers. im trying to be patient and cooperation with them so that they cant say that i havent been doing my part. in our last conversation with the investigator he did tell that they should hopefully have an answer for me in a weeks time. im going to hold them to this, if naything else happens then i will be going the dept of ins. i can honestly say that the investigator has been very nice towards me. i have heard stories of how people can be treated like crap through this whole ordeal. he went on to say that he was shocked that i brought in all the paperwork requested because ussually insureds dont bring half of the items. i know he has a job to do and that does consist of treating me with respect, i did expect a totally diff attitude from him in the beginning. but still the fact remains that this is getting a little reidculous and time consuming. i will keep posting till this is resolved. thanks everyone.
Posted: Sat Aug 23, 2008 12:48 pm Post Subject:
Progressive is one of the companys that is VERY through and will spend 100k to prosecute a 10k fraud...and I can appreciate that...You also are in their 'home' state...that works both ways...they don't want bad press in Ohio...I'm glad the SIU rep is being respectful it's a very difficult job...I know from experience...and as I said initally a theft that then total burns is a huge red flag...hopefully this will be resolved within a week...please keep us in the loop...
Posted: Thu Aug 28, 2008 05:28 pm Post Subject:
spoke with the inverstigator earlier this week, he had more simple questions. he did say that he is wrapping his end up and that I should hear from my claims rep by friday. he did also mention that the claims rep has to give everything to his sup firts and then contact me. so, what should i expect?
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