by blacksmithentworld » Fri Dec 21, 2007 10:35 am
My insurance company has been poorly handling my total loss auto claim for 4 mo. now. I've had to give 3 under oath testimonies, no communication w/claim rep. (from their end), I've presented ALL requested/necessary info., now my claim has been referred to their legal counsel. Also, more (peculiar) info. has been requested. ex: Rental Lease Agreement, Home/Cell phone records, etc. Whats going on? Should I seek Legal Counsel to rep. me?
Posted: Fri Dec 21, 2007 11:07 am Post Subject:
good morning blacksmithentworld and welcome...
well first off this is NEVER good...
I've had to give 3 under oath testimonies,now my claim has been referred to their legal counsel
What is the problem? I'll tell you straight up these types of actions ''typcially'' mean they suspect fraud...which is VERY serious...if you could explain the facts of loss in detail perhaps we could be of assistance to you.
Posted: Fri Dec 21, 2007 10:51 pm Post Subject: My Claim has been referred to insurance co.'s legal counsel
The insured allowed family member to borrow vehicle overnight. Vehicle was stolen from family member's home. Police report was made immediately, insurance co. was contacted immediately, vehicle was recovered the next day, total loss (burned). All requested info. has been submitted (immediately) to ins. co., 1 phone, 2 face to face under oath interviews, (only) key to vehicle has been given to ins. co's investigation specialist, no communication from ins. co, but insured is constantly attempting to get updates/info from claim rep. via messages and written communication, until claim was referred to ins co.'s legal dept. Why would they send me thru this type of process? It feels almost "harrassing". I nor any of my family members have ever been involved in situation(s) such as this.
Posted: Fri Dec 21, 2007 11:54 pm Post Subject:
My insurance company has been poorly handling my total loss auto claim for 4 mo. now. I've had to give 3 under oath testimonies, no communication w/claim rep. (from their end), I've presented ALL requested/necessary info., now my claim has been referred to their legal counsel. Also, more (peculiar) info. has been requested. ex: Rental Lease Agreement, Home/Cell phone records, etc. Whats going on? Should I seek Legal Counsel to rep. me?
I'm guessing this vehicle was lease?
Basically, as mentioned, any time an insurance company performs an EOA, they have a _STRONG_ suspicion of a fraudulent claim. I don't underline and caps "strong" lightly. That is, carriers usually only do this when they feel they can pretty much prove fraud. I'm not understanding the _3_ EOa's, though. I'm not a lawyer but I'm pretty sure you can only be required to give 1. After that, I'd say you have met your obligation to cooperate. The carrier should have all their questions when they perform the 1st EOA. After that and it really looks like they are just grasping at straws and just trying to drag out the claim.
I'd recommend you file a complaint with your states Dept of Insurance so that they can look into the matter.
Should you hire an attorney? That is up to you. If you can afford several hundred or a thousand dollars, you may want to do this. As mentioned above, carriers only perform EUO's when they feel strongly that fraud is involved. EUOs are done by an attorney. That attorney (and assistance) can spend many hours preparing. Then there are hours involved in the EUO (my friend, an adjuster, went through one and it lasted 6 hours). This can cost several thousand dollars easily.
Again, 3 EUOs is very excessive. I think you have a valid complaint and the carrier needs to either pay or deny the claim.
Posted: Sat Dec 22, 2007 12:37 pm Post Subject:
I'm wondering if the OP might've mispoke, and one EUO, and two other statements...because second post says....
1 phone, 2 face to face under oath interviews,
Can you do an EUO on the phone? Also you say your claim is now in their legal dept...Could it have happened this way? Statement to orginial adjuster then perhaps assigned to a special investigation unit or SIU ? then they would've done an investigation and now with legal and a true EUO? Really doesn't matter I guess, they clearly 'think' that you had your vehicle stolen and burned...That is my guess what this is about...They would've ran credit reports on you...if you are behind on your vehicle payments (and maybe others) they would think they have just cause....Were there phone calls around the time of the theft and burn between you and anyone?If you had nothing to do with this I'd recommend contacting an attorney if you can afford one. If you did have anything to do with this...and I'm not saying you did mind you just 'if'....I assure you they will find out, try and drop the claim immediately...for your own protection...If they have sent it to their 'legal' dept they may only be looking for a denial but they could also be looking for fraud charges....
Again, if you are 100% guilt free (and so is your relative) contact the DOI as tcope advised, and get an attorney and file a bad faith suit...if your hands are not clean, try to save your hide by withdrawing the claim...
Please don't think I'm accusing you just providing information...
Please do let us know the outcome.
Posted: Mon Feb 07, 2011 07:57 pm Post Subject:
MY FRIEND WAS DRIVING MY CAR ONEDAY AND GOT REAREND BY THE OTHER CAR CAUSING THERE INSURANCE COMPANY TO PAY NOW MONTHS LATER MY INSURANCE COMPANY IS REFERRING ME TO THE SPECIAL INVESTIGATIONS UNIT TO CLEAR ANYONE ELSE WHOS DRIVING IN THE HOME, WHY?
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