by Guest » Thu Mar 18, 2010 09:19 pm
i filed a claim for a lost necklace and while speaking to the investigator i decided to withdraw because i didnt have time for everything involved in the process for a necklace that only costs $250...he said to withdraw i had to say i didnt really lose the necklace...does that mean i "committed" insurance fraud? i feel i was wronged here...he said they will just deny the claim and possibly not renew my insurance...but i think i was tricked after i thought about it and looked into it.
Posted: Fri Mar 19, 2010 05:23 am Post Subject:
Ummmm...they can't do that. I don't know of any state that would allow that kind of action. To have you write out a statement, more than likely with your signature, stating that "you are withdrawing your claim and that you 'didn't really lose the necklace'" is tantamount to, as you are concerned over, admitting that you lied.
There's no way I would sign that statement. Let me know what state you're in and I can research the statute. I am familiar with fair claims settlement practices, and that doesn't sound very, well, fair.
I hope a few other folks chime in here, this is pretty interesting.
InsTeacher 8)
Posted: Fri Mar 19, 2010 06:49 am Post Subject:
Let me know what state you're in and I can research the statute.
If things like this carry on, then the future is not too bright for us!
The state govt. should take immediate steps against such people in order to curb fraudulent activities.
Posted: Fri Mar 19, 2010 12:40 pm Post Subject:
There needs to be some type of written communication. At most, you'd be asked to send a letter simply stating that you no longer want to pursue the claim. Period. You don't need to admit to anything or provide _any_ reason why. If you don't want to have to write a letter then the carrier should simply send you a letter confirming your request and asking you to contact them if you change your mind.
Requiring you to take any action is not needed as you could simply stop pursuing the claim and then what would they do. They would eventually need to decline paying the claim or pay it.
People withdraw claims all of the time.
Posted: Fri Mar 19, 2010 01:59 pm Post Subject:
He's just an idiot. You can decide at any point to drop a claim. I have several files in a drawer where people simply just stopped all communication or found it too much work to pursue a loss.
Posted: Fri Mar 19, 2010 05:06 pm Post Subject: more info
i am the one who had to initial question...after talking to the guy i called the insurance company and explained this to them and asked if what he said would happen was accurate and they got really weird and seemed upset...he called me saying that because i called the company he now has to come back to my home and follow through with the investigation and do the whole thing...he says he has o question me, then my fiance who wasnt even in the state at the time and polygraphs etc...im in texas and have yet to find where this is legal or where this is even any part of any claim process...and i have withdrawn the claim so should it be done and over with? im so stressed out and pissed off and kind of nervous about the fact that this guy seems to be trying to ruin my life to cover his own mistake.
Posted: Fri Mar 19, 2010 05:58 pm Post Subject:
I'm betting there is much more to the claim but that is neither here nor there at this time. My recommendation is to simply write a letter to your carrier and let them know that you are withdrawing the claim at this time. Should be end of story.
Posted: Fri Mar 19, 2010 06:01 pm Post Subject:
If you choose not to pursue the claim, it's your business. Why they care on completing an investigation for something you are no longer interested is ridiculous and a complete waste of time. You haven't recieved a settlement, and further more it's only for $250, big deal. At this point, since you have withderawn the claim, there is nothing for them to do but close their file. I don't know what the legalities are in Texas, but I am comfortable in saying that 1) you are no longer interested 2) they haven't made an offer 3) you haven't accepted one, in any state would be more than enough for them to close the claim.
Posted: Fri Mar 19, 2010 08:06 pm Post Subject: more info
so if i already filled out a withdraw form with the investigator while i was talking to him but it hasnt been withdrawn then how else could i go about withdrawing and ending this so i can move on to a new company? or can i just flat out cancel this policy and go with a new company?
Posted: Fri Mar 19, 2010 08:32 pm Post Subject:
I would ask them why do they want to keep pursuing the issue if you are no longer instrested in recieving payment/reiumbursement for this necklace? If it boils down to harassment, I would simply refuse to communicate with them, drop your coverage or make a call to your state's department of insurance. Are you sure you are telling us everything? There has to be some reason why they want to investigate further, it doesn't really make sense they way you have described it, if you are not interested.
Posted: Fri Mar 19, 2010 09:22 pm Post Subject: more info
everything ive said is how it has happened...none of it makes sense to me either...i decided not to pursue the claim due to everything i would have to deal with...the time spent on the claim doesnt agree with me going to school in the mornings and working the rest of the day. i told them i would rather just pay out of pocket than deal with the stress and this is what it has all come to.
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