The Insurance TV Ads

Now That Your Insurance Company Has Denied Your Auto Theft Claim. You Think You Are The Only One In This Position. Right?

Not True!!!!!!

Many have been denied by the "Good Neighbor." In fact, because they are the largest carrier, they are responsible for more denials. Many have said if State Farm were their neighbor, they would move.

"Ask Flo." When Flo is on TV, she seems so nice, and then telling everybody all the money she can save you at Progressive. She stresses the discounts. One of those common discounts from insurance companies is for a factory installed anti-theft system. She obviously would not tell you, that if the car is stolen and equipped with an anti-theft system that you might as well not have insurance, because your theft claim will be denied. Anti-theft must mean to her "unstealable." What a bitch!

Let's talk about that sweet green little geco from Geico. He seems friendly. That is until one has a theft claim with a vehicle equipped from the factory with an anti-theft system. Guess what? He isn't so cute now!!! He is laughing because of all the saving is his own for the insurance company, when your theft claim is denied.

What insurance companies deny theft claims on vehicle's equipped from the factory with anti-theft systems? Just about every one!!!!!

Esurance--You will probably need to be animated as well as your attorney discussing your animated theft on your animated car and the animated theft claim denial.

Liberty Mutual-"Being Responsible." Wait until your theft claim is denied by this responsible company, doing the right thing.

Allstate "Your in Good Hands." Insureds have said to me that when denied on their theft claim, "it was like having those good hands around your throat." Oh it feels sooooo good!

Allstate

State Farm

Progressive

Nationwide

Mercury

AAA

CSAA (AAA-Northern CA and NV)

USAA

Commerce

Commerce West

Liberty Mutual

American Family

Esurance

Permanent General--Car does not even need to be recovered to receive your theft claim denial!!

Sterling

Infinity-California-Bad News in My Opinion--Stay away by all means possible, especially if you don't have an Anglo surname!

Farmers

Farm Bureau

Safeco

Geico

There are many more, and I will add as I think of them.

For insureds that are accused of everything, except for being responsible for the 1975 disappearance of Jimmy Hoffa, I am setting up a support group. You all know what it is like to be falsely accused. You know what a hardship it is to have the stigma being accused of stealing your own car, and being unjustly accused without any proof. You know what a strain this can be to family relationships.

You need someone else to share this experience because these people are going through the same stuff you are. The group is already started. We will share email addresses with your permission, and that way you can correspond to each other privately and not on the internet.

Yes, there are fraudulent claims, but what is never addressed is the fraud that the insurance carriers use by having the suspect car examined by these so-called "Forensic Locksmiths."

Forensic locksmithing in most cases is a con or scam (there are some exceptions to the rule)  and many of these guys don't even know the definition of forensic! They do their little dog and pony show, fill in the blanks in their pre-generated reports with the mystical basis on the ignition lock keyway.  Please note this story.

Now, your insurance company special investigations unit will tell you that forensics was performed on your vehicle's ignition, and it has been determined you car was last moved with a key of the proper type. If they are so good in forensics, they should be able to tell the exact key that was last used, not just some general statement that makes one believe the insured was involved in the theft.

In fact, if these guys were truly forensic experts, not only could they tell you exactly what key was last used, they should be able to at least, eliminate the insured as being the last to drive it. Who sat in that driver's seat last?

After all-these forensic locksmiths are portrayed in our courts by the insurance defense counsel as being as good as the procedures used in TV shows like "Forensic Files", "CSI" etc.

Proper cross of these charlatans will show the emperor has no clothes.

This may be redundant to this site, but we will put common sense v. the "forensic" statements made by these "forensic" locksmiths. Our new site will demonstrates how ludicrous these "Forensic" claims are, in which they are used as a basis for denial. After the report, the case (not looked at as a claim anymore) all facts (assumptions) about a financial motive, means and opportunity is considered, and the reasons for denial of a contrived.

This is preponderance and the very loose standard that the insurance company is required to present.

In California these suspicious claims MUST be filed with the insurance commissioner under penalty of law.

With the economy being what it is, insurance companies and their experts thrive by making it appear as though the insured was involved with the theft. If so, prove it, or pay the claim!!!!

It is common for the insurance claims rep to ask questions on the first phone call from the fraud indicator sheet supplied by http://www.nicb.org

Examples to these questions paraphrased would be:

Broken glass at the scene of the theft? If there is no glass at the scene, it means only that there was no evidence indicating the glass was broken. This in many cases is an indicator to investigators that this event represents fraud.

It doesn't represent fraud! It means either the door was not locked of someone used a break-in tool to manipulate the door lock linkage to obtain access to the inside of the vehicle. Yes, there are forensic locksmiths that will testify the vehicle was not force entered. Beyond the outside door lock condition, what in their experience qualifies them to determine if or if not the vehicle was force entered? Break-in tools are available to any one on the Internet.

Transponder equipped vehicle?

It is assumed that if the vehicle has an anti-theft device, the vehicle is impossible to steal. With technology changing daily the "Hi Tech" immobilizers are being defeated as fast as they are introduced.

Since it takes about three years from the drawing board until these anti-theft systems are implemented on the production line, Factory anti-theft systems installed in vehicles purchased new, are already obsolete.

After market anti-theft systems are much more fluid because they can change immediately as the need arises.

Recovered burned?

Commonly, if a theft recovered vehicle is recovered burned, it is assumed that this is an owner give up in order for the insured to destroy any identifiable evidence as to how the vehicle was last operated.

Thieves burn vehicles! The fire might have been started as an initiation into a gang. All too often it is assumed that whoever moved the car last (assuming the insured) is the same person that set the fire.

There is also another dynamic--As much as people think new vehicles are so safe, one such example to reveal that they can self-ignite is http://www.flamingfords.com.

Major components such as wheels and tires, engine not missing.

There are many insurance investigators and forensic locksmiths that must know a particular thief's mind set. Only seats missing? Must be fraud! Unless the thief is caught and he tells the truth from that specific vehicle, all damage no matter how minor or major to the vehicle, can be both indicators of fraud or of theft.

Surgically stripped?

Surgically stripped is the assumption that the insured removed the parts to sell or has them in the garage to reinstall when the insurance company pays the theft claim.

The truth of the matter thieves commonly strip[ cars surgically not to damage parts. If more than one thief, one may find components neatly removed while the other thief is destroying the dash to get the stereo.

For sale sign car in car?

The evidence of a for sale sign in the reported stolen vehicle is that you could not get the blue book value out of your car and it was easier making the insurance company pay full value of the vehicle when reported stolen.

Any skid or drag marks at the theft scene?

These idiot forensic locksmiths will cross testify to anything. It is assumed that if the vehicle was towed, there would be drag marks going up a flat bed of a tow truck. The truth of the matter is that vehicles can be removed from a parking spot in less than a minute with an ordinary tow truck, either equipped with repo devices or a simple wheel lift used on 99.9% of all tow trucks. If towed where it matters the transmission is locked in park, transmission linkage can be removed under the car in seconds. The forensic locksmith will testify the transmission shift lever is locked in park, however almost never checks to see if the linkage is attached. The one very real question here would be of the forensic locksmith: What qualifies you to render any testimony about the gear the transmission is found in?

Lets go into the forensic locksmith title. There is no licensing or legal entity that does any kind of certifying in this area.

This title is offered by two associations in which can be joined to acquire such a title. The title is subjective to certain persons in the associations feel the member has made all the training requirements.

Aloa--Associated Locksmiths of America. This is a locksmith group that gives a one day class by a guy in the Nederlands. At the end of the day, one receives his certificate as a forensic locksmith.

International Association of Investigative Locksmiths

Founded by locksmiths that teach courses in methods of forced entry as to what they would do as locksmiths to defeat a lock. Who cares? Most haven't a clue as to the methods used in auto theft.

What Does All of This Mean for Me as the Consumer?

If your vehicle is equipped from the factory with a so-called anti-theft system, chances are real good your claim will be denied!

This is a high stakes game from insurance companies and that one needs to understand, it all boils down to money. Understanding the game is key and once understood, it can be played successfully by the insured as well.

As I write this, I know that defense attorneys for the insurance company are going to have someone in their firm illegally against federal copyright law use my writings to attack my credibility and that is OK. I have no problem suing them for these illegal actions. It appears to me that these firms think they are above the law. They are not above the law.

I find it interesting as well that a book I co-authored was given to State Farm for their review, was illegally copied and appears to be in each and every State Farm defense attorney's documentation when deposing me. I was never paid for the book, nor will I accept any monies because God knows how many of these copies were produced.

As I have stated so many times: "I have absolutely nothing against any insurance company, and my bias of dislike goes to these insurance defense attorneys representing insurance companies that have no shame."

We have demonstrated the two ways these claims can be argued. Now, we will go further. Knowing the game is key! I am sure you as the insured don't want to play this game, but I am going to put together everything I know from the decades of experience dealing with these issues when retained. You will find that insurance companies give you no choice!

Insurance companies will deny on these issues in the beginning.

1) Vehicle equipped from factory with anti-theft system

20 Assigned to independent "Juke Box" forensic expert. (Insert a quarter and he will sing you a song of how the vehicle wasn't stolen and last operated with a key of the proper type).

3) Gather "Facts" surrounding the insured's recorded statement comparing to the EUO (Examination under oath) and try to put together a story that statements are not consistent.

4) Gather insured financial records and cell phone records to make it appear as though the insured was involved with the theft.

5) Package all these assumptions as fact and send out the denial letter stating the insured made material misrepresentation.

Once the company has done this, they take a calculated risk that the insured won't sue them for bad faith.

The other assumption is that they will not find an attorney to represent them because there may be little cash reward for the attorney. Worse yet, even if the insured wins in court , there is a very good chance that the insurance defense will appeal a punitive verdict, costing the attorney many more hours that he is not compensated for. This is why plaintiff attorneys don't take these cases and the insurance defense knows it.