I was in Europe for 2 months and My auto pay for my car didn't go through, so- they repo'd right from my driveway.
I cleared it up, and payed everything and everything was okay untill,... I went to L.A and my car got stolen!!
I did everything I was supposed to- I was calm, made a report.
I have gap insurance, and now- they're saying they might not pay becasue i'm suspicious!? what the heck?!
My credit is great, I've never missed a payment and I have gap! why are they doing this to me?!
2007-03-28 14:12:33 · 6 answers · asked by Insert Name Here 1 in Cars & Transportation ➔ Insurance & Registration
Why would I lie?
No one here knows me, If I had Done something dishonest- what would I gain by posting this question?
Why wouldn't I say- I got my car stolen - how can I get my ins. company to pay up?
No- I just want them to treat me like the honest person I am,
I loved that Car.
All my stuff was in it.
And, "Cowboy Bill"
You attitude sucks.
2007-03-28 14:26:48 · update #1
In terms of insurance fraud, having your car repo'd and then stolen is indeed a red flag to insurance companies. However, they talk to your bank to find out why it was repo'd.
As for your GAP insurance....can't tell ya. Ask them, they'll tell ya.
2007-03-31 18:45:53 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
Actually, you DID miss a payment (or two) according to your story. They don't need to hear that your "auto pay" was delayed or misaddressed; all they need to hear is the car was repo'ed and that automatically puts up warning flags. They're just being overly cautious and IF you are telling the truth about the car theft, you will eventually get your money. They have every right to be suspicious ANY time a loss is reported.
2007-03-28 14:20:45 · answer #2 · answered by Kiffin # 1 6 · 2⤊ 0⤋
How do you not understand how they are suspicious? Of course they will be.. do you know how much fraud goes on in car insurance? Do you know how many people fall behind on car payments (as it APPEARED you did) and suddenly and conveniently their car is stolen?
You can do nothing but remain calm and go through the steps they require you to do and be understanding of why they have to do this.
2007-03-29 15:15:14 · answer #3 · answered by la428282 6 · 0⤊ 0⤋
Contact the Insurance Commission, you'll find their number under state govt listings. They are required by law, to settle claims in a reasonable manner. Keep all police reports that you have, and make note of all conversations you have with the insurance company, so you can relay the info, when it's needed.
2007-03-28 17:52:40 · answer #4 · answered by fisherwoman 6 · 0⤊ 0⤋
Your car was repo'd and then stolen. Now you have a chip on your shoulder because your insurance company sees a red flag.
Go figure.
Wow...guess you told me potty mouth.
2007-03-28 14:19:51 · answer #5 · answered by Anonymous · 2⤊ 0⤋
They have to prove you made criminal act before they can accuse you of it and make it stick. Ask them what proof they have that allows them to tell you this.
2007-03-28 14:21:24 · answer #6 · answered by tkquestion 7 · 0⤊ 2⤋