My car was stolen and damaged, but my claim was denied because the thieves did not damage the key area of the car, they have in their policy that if a car was stolen with a key they are not responsible, they claim someone got ahold of our keys my husbands or mines and i guess magically put them back. How can i prove my car was stolen? The damage on the car was not sufficent for them, i dont feel safe driving the car, i dont know what the thieves did to it because now it wont even start, is this a lost cause?
2007-03-02 08:46:12 · 5 answers · asked by victim of a stolen car 1 in Cars & Transportation ➔ Insurance & Registration
First make a police report. Did the police find your vehicle or did you? Just so you are aware, the latest thing thieves do is get your VIN# from off your dashboard (visible from outside your vehicle - drivers side looking through the windshield) and take the VIN to a dealer & get a set of keys made. Many dealers may not ask for ID (which they should) before they make the key. I would call to a few dealers of your vehicle type in your area & find out if any made a key for your car around when your car was stolen. Anyway, was the damage to your vehicle MORE than your deductible? If you have a $500 deductible & there was only $400 damage, they are not going to make any payment to you. Take your car to the shop & find out what is wrong with it, why it won't start & find out if it is as a result of the theft or if maybe the starter just went which could have happened anyway.
2007-03-02 09:02:45 · answer #1 · answered by Sue 6 · 0⤊ 1⤋
Did you file a stolen police report? If you did, attach that to a letter of appeal in writing as to why you feel you were wrongfully denied this claim. All you can do is try. If you didn't file a police report it probably won't do any good to appeal but again you can always write the letter.
Good Luck.
2007-03-02 08:52:58 · answer #2 · answered by devilgal031948 4 · 0⤊ 0⤋
Your only hope is to contact a manager at your insurance company and respectfully request they review your claim and explain the terms of the policy to you until you understand them. It is entirely possible that your policy does have this provision and if the facts of your loss fit the policy parameters then that's that. Sometimes the world sucks but you get what you pay for.
2007-03-02 12:53:22 · answer #3 · answered by Anonymous · 2⤊ 0⤋
You could put it in writing. However, you already have your answer....both YOU and the insurance company have to abide by the policy. If you didn't read your policy, or if you don't like what your policy covers or excludes...switch carriers. Like it or not, it's in your policy and the denial is valid.
2007-03-02 14:52:37 · answer #4 · answered by bundysmom 6 · 2⤊ 0⤋
do you have teenage kids?
joyriding is fun!
2007-03-05 17:58:21 · answer #5 · answered by pokey2826 1 · 0⤊ 0⤋