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Heres the story: I woke up to go to work one morning and my car wasnt there. I made sure nobody was screwing with me first then I called 911 to report my car was stolen. They ask me all sorts of questions and then tell me they found my car overnight parked at a street light in the middle of the road. They said the keys were found in the ignition and it was reported abandoned. The police department had my vehicle impounded. So I went to pick up my truck at the impound yard. It wouldnt start. The engine was fried and blown. My insurance company sent a man to look and asses the truck. He said my oil pan was cracked and they prolly ran it with no oil causing it to blow. My insurance company says that it was poor maintanance that caused my engine to blow, not the car being stolen. The body shop my vehicle is at says they hit something causing the crack. My insurance company wont repair my vehicle. Is their any more action I can take? what can I do?

2007-11-08 11:36:45 · 7 answers · asked by coolguy3721 1 in Business & Finance Other - Business & Finance

The keys in the ignition were a spare set that I lost almost 2 years ago.

2007-11-08 11:39:39 · update #1

7 answers

What type of coverage did u have? You need to pull the policy and go over it in detail. Did u report the car stolen? Send them a copy of that too. Who reported the car abandoned? Something sounds fishy...

2007-11-08 11:41:34 · answer #1 · answered by blue 4 · 0 1

I'm an insurance agent with a major national carrier. This whole thing sounds like crap if you ask me. If you had full coverage on the car, the comprehensive would cover the car being stolen and then anything that happened subsequently there afterwards, including the damage to the oil pan and the engine. If you are using a body shop that is authorized by your insurance company, the insurance company should be listening to the shop when they say the damage was caused after it was stolen. Your insurance company needs to pay, and you should fight it if they won't. There are many things you can do, including contacting your state's department of insurance if you feel you aren't being treated fairly.

Good luck to you.

2007-11-08 19:43:33 · answer #2 · answered by kittykates78 3 · 0 0

I would get a lawyer involved-that seems pretty cut and dry-have you exhausted all sources at the insurance company?-i would blow up there phones and talk to as many supervisors as u could-that is not right-i would let them know how bad they r going to look when u win in court-smear their name into the ground with the media, and get a nice settlement on top of it--the only way they can say you didnt take care of your car is if the inside of the engine is caked with multiple layers of burnt oil-it will have some from the oil pan leak, but a trained professional will know what to look for-a mechanic of your choice-i would smear them into the ground!!!-get a lawyer

2007-11-08 20:13:13 · answer #3 · answered by Anonymous · 0 0

Honestly, I cannot see your insurance company paying for anything because the keys that were 'lost' were in the ignition. So, that would be your fault, not the insurance companies. If the keys were not 'found', then this would not have happen. Again, not the insurance companies fault.

In regards to the crack, can the mechanic prove that they did it and not you? If the mechanic can prove the reason for the crack was because 'somebody' hit something, that would be good for you. But, again, it would have to be proven that YOU were not the one that hit something.

2007-11-08 19:46:24 · answer #4 · answered by Anonymous · 0 0

How come your keys were in the ingition?By what your saying, I think you'd better forget it.If your car is outside on a public road, and got stolen, then sure your insurance won't pay up.You will have to take better care next time.

2007-11-08 19:43:38 · answer #5 · answered by Anonymous · 0 0

Sue them in civil court. Will take years. Probably just suck it up, get a used engine in the truck and trade it in for something else. Change insurance companies.

2007-11-08 19:40:52 · answer #6 · answered by WooleyBooley again 7 · 0 0

take them to court. as long as your mechanic stands by what he told you , you should win. then get a different insurance company.

2007-11-08 19:42:16 · answer #7 · answered by george 2 6 · 0 0

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