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» Insurance » My car was stolen from outside my house , insurance not
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My car was stolen from outside my house , insurance not paying .?


My car was stolen from outside my house and insurance paid me by a cheque but when i put in bank they stopped it saying they have recovered the car . I bought anouther car in the mean time as i had the letter from insurance team that my case is not settled and closed.

Now insurance company is claiming :

No Evidence of focible entry to the vehicle .
Car has mobiliser which has not been interfered .
Vehicle was unlocked when recovered . and you have submitted only one key to support your claim.

I had only one key . Car was passat 04 .

Car had damages which they are not ready to take care of as they are saying I have not taken reasonable precautions to prevent loss.

i dont know what to do I left my car locked at night , i have no clue how was the car stolen.
They sent me the cheque after 5 weeks .
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1 Comments :

member1 by lucy 6 years ago.
As a former auto adjuster when a car is stolen, most companies have up to 30 days to settle, unless they suspect fraud, then can be extended till proven fraud or not. The 30 days gives them time to locate the car and if damaged, they repair it, or if not, you get back. But if not found, then the insurance company makes an evaluation of the value of the vehicle and then pays you for it. If/when the car is found after that, then they keep the car, since they in effect have paid for it and own it.

Is the letter stating the case is not settled and closed, was it after they issued your check to you? That could mean that it is closed since they paid you, but not settled since at that time your vehicle had not been found yet?

When someone steals a car, they are not going to take steps to re-lock it, so reason of it being unlocked when found. But if someone had the 2nd key and used it, then would be no forcible entry.

Personally, I suggest you make an appointment with a lawyer for your legal rights on this. You will need to bring with you a copy of your auto policy, all letters from the insurance company for the lawyer to review. Do google search of lawyers and insurance law and also add the state where you live.

You may end up with this prior car back and no check from the insurance company and may have to sell the 2nd car you bought in the meantime. But;;;;;;;;only a lawyer can tell you if you have any rights or not.

good luck
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Tags : Car*(11817), Steal*(642), Outside*(154), House*(2232), Insurance*(40306), Paying*(1285), Pay*(7426)

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