by Guest » Wed Jul 14, 2010 02:42 am
My vehicle was recently stolen; I filed a police report and called my insurance company immediately.
My phone was also stolen, so I actually left my phone activated in case the theif or theives made any phone calls, but they had not by the next day.
So, I got myself a new phone.
The claims adjuster wants a copy of my phone records in order to see if any phone calls were made. I checked my call records and there were no calls made. The phone company also informed me that snce there were no calls made, there is no way to triangulate a signal to find where the phone was during that time.
My question to you is, do all adjusters require phone records, and if they do, what will the adjuster do with the records, for instance, will he contact all of the numbers on there? My concern is that some of these numbers belong to business contacts and would prefer not to involve them with my personal loss.
I would really appreciate it if you could reply to my inquiries. Thanks.
My phone was also stolen, so I actually left my phone activated in case the theif or theives made any phone calls, but they had not by the next day.
So, I got myself a new phone.
The claims adjuster wants a copy of my phone records in order to see if any phone calls were made. I checked my call records and there were no calls made. The phone company also informed me that snce there were no calls made, there is no way to triangulate a signal to find where the phone was during that time.
My question to you is, do all adjusters require phone records, and if they do, what will the adjuster do with the records, for instance, will he contact all of the numbers on there? My concern is that some of these numbers belong to business contacts and would prefer not to involve them with my personal loss.
I would really appreciate it if you could reply to my inquiries. Thanks.
Posted: Wed Jul 14, 2010 04:06 am Post Subject:
They don't want the phone records to see if the thief made any calls... they want to know who _you_ called prior to the theft.
Posted: Wed Jul 14, 2010 08:54 am Post Subject:
Hi zero
Adjuster won't be calling each and every number on to your phone records rather they just wanted to confirm whether there is any scam involved in the matter or not?
They will just confirm to whom you have called prior to incident and thus evaluate whatever you are telling is right or not!!
DIMG
Posted: Wed Jul 14, 2010 11:57 am Post Subject:
EXACTLY, they would've already taken a statement from you, which you probably said the last time you used the phone was an hour or so prior, maybe more..they will be looking to see if this gibs with your story..zero interest in if the thief used your phone..and yes, this is standard on vehicle theft/burn claims.
Posted: Wed Jul 14, 2010 07:33 pm Post Subject:
maybe i'm willing to give him a partial record,
one that shows the last call was an outgoing one about an hour and half prior to the incident and the next call being the next day once i got a new phone
but who i correspond with by phone is none of his concern, esp. if he decides to call them in regards to this case. that will be embarrasing
Posted: Wed Jul 14, 2010 07:38 pm Post Subject:
but who i correspond with by phone is none of his concern, esp. if he decides to call them in regards to this case. that will be embarrassing
Understood. Keep in mind that the insurance company can always obtain an Examination Under Oath (EUO) and ask you to produce the entire phone record. I doubt that would happen, though.Posted: Wed Jul 14, 2010 11:40 pm Post Subject:
Understood. Keep in mind that the insurance company can always obtain an Examination Under Oath (EUO) and ask you to produce the entire phone record. I doubt that would happen, though.
In the process of doing this right now with an insured. He says he has nothing to hide but wants to play games. Verizon is already on it. :!:
Posted: Thu Jul 15, 2010 01:47 am Post Subject:
@trench:
dont you need a subpeona have verizon access them?
not having anything to hide and willing to get friends, business acquaintances, etc. involved in the investigation are not the same thing. If the adjuster or investigator harass one of my colleagues, who do I even complain to? Georgia’s dept of insurance? Ive heard they’re useless.
Invading my privacy is one thing , and perhaps even justifiable in this case, but I wont get others involved in this.
if the adjuster wants my bank statement, which shows that my savings are over five times the vehicle’s value, or my credit score to see that I have no outstanding debt and a perfect beacon score, then I’d be reluctant but understanding.
but cell phone records? Maybe if he gives me a transcript of what he’s going to say when he calls
Posted: Thu Jul 15, 2010 03:10 am Post Subject:
dont you need a subpeona have verizon access them?
Yes you do. In my case, that is being done because the insured is refusing to cooperate, which is reason for suspicion.
not having anything to hide and willing to get friends, business acquaintances, etc. involved in the investigation are not the same thing. If the adjuster or investigator harass one of my colleagues, who do I even complain to? Georgia’s dept of insurance? Ive heard they’re useless.
It's doubtful that any of your contacts will actually be contacted unless there is reasonable suspicion to do so. I really wouldn't worry to much about it.
but I wont get others involved in this.
If there is reasonable suspicion, you won't have a say so in the matter.
if the adjuster wants my bank statement, which shows that my savings are over five times the vehicle’s value, or my credit score to see that I have no outstanding debt and a perfect beacon score, then I’d be reluctant but understanding.
If this is the case and as I said before, I really wouldn't worry about it too much.
Maybe if he gives me a transcript of what he’s going to say when he calls
There really is no transcript. It would just be basic questions about who they are, how do they know you and what was the nature of the call etc. But, this would only happen if there was probable cause to do so. Don't worry about it. I have been given the task of making those calls but I can only recall one occasion where I had to call one contact because of an unusal call pattern made by the insured at the time he stated the property was stolen. If this is a large auto insurer, it's highly doubtful that the adjuster that you have been speaking to will be the one who will actually call "your" people. Most of the time, that task is normally refferred to a legal department.
Posted: Thu Jul 15, 2010 11:41 am Post Subject:
Refusal to cooperate will ALWAYS raise a red flag...it's standard practice to request phone records....just tell the adjuster that prior to contact anyone you'd appreciate it if he talked with you first, because you have some clients you just as soon not know about this.
I personally see no need for embarrassment...your car was stolen..what's there to be embarrassed by? I get that you don't want any of your friends to think you are under the microscope but if your last call was an hour or more prior to the theft...I'd say that is likely the only one (if any) that will get checked.
I too have had to call people on insured's phone log...it's always (as Trench posted) because things just aren't lining up right...ie..the insured says his vehicle was stolen from work at 10pm...however, he's on the phone non-stop to three different people from 9-11pm..see?
My advise would be to fully cooperate, and get this over with..they're just doing their job..really.
Posted: Thu Jul 15, 2010 06:45 pm Post Subject:
i appreciate the responses, and i see what you're getting at
but cooperation to me does not include giving unrelevant information just so that he may take longer with processing the claim. like i said partial records should show him what he needs. its clearly a damn fishing expedition.
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