Car insurance nightmare

tberry4118

jimbo6977 said:

Hoops.

They set em up, you jump through em.

They're not TRYING to trip you up, but they are giving you the opportunity to trip yourself up if you have anything buried in the weeds to trip over. 

That's about the size of it. 

I know I know, but how many hoops can I go through. Im mentally exhausted from it all 

tberry4118

If they really thought I was fraudulent or had a strong suspicion would they not have outright denied my claim. They said they will be satisfied and settle the claim if I send my itemised phone bill. Why would they say that if they think im doing fraud...I sent the phone bill straightaway, im not even sure what they are suppose to be looking for on that 

Goudy

Your insurance loss adjusters have concerns that the vehicle recovered isn't the one you are claiming was stolen due to the colour differences.
It's not unheard of for criminals to use various schemes to con insurance companies, one being claiming for the loss of a different vehicle to that what was insured.

They will go through a process to be sure what has been recovered is the actual vehicle insured by them.
This could take some time and obviously is taking some effort from yourself.

I had something similar when my Abarth was stolen, they were very keen for me to try and prove I left it where I said I left it for some reason, which was difficult as I was out of the country at the time. All I could say it that's where I left it, that's where I always left it parked, outside my house. There was a bit of a stand off for a while as I couldn't offer them anything to prove it (CCTV etc), I just kept repeating that's where is was left.

I still can't fathom the reason why, but it was probably one of many things they ask claimants as part of their process, to see what response they give or how they react.

It's frustrating when you don't know how things are progressing or what they are up to or what they are thinking, but you need to keep calm and be polite, they are just doing the job they are paid to do.

You could do with the name and direct number of the person dealing with this and perhaps contact them to see if they have received your phone bill, politely ask them if there is anything else they need from you and how the claim is going.

tberry4118

Goudy said:

Your insurance loss adjusters have concerns that the vehicle recovered isn't the one you are claiming was stolen due to the colour differences.
It's not unheard of for criminals to use various schemes to con insurance companies, one being claiming for the loss of a different vehicle to that what was insured.

They will go through a process to be sure what has been recovered is the actual vehicle insured by them.
This could take some time and obviously is taking some effort from yourself.

I had something similar when my Abarth was stolen, they were very keen for me to try and prove I left it where I said I left it for some reason, which was difficult as I was out of the country at the time. All I could say it that's where I left it, that's where I always left it parked, outside my house. There was a bit of a stand off for a while as I couldn't offer them anything to prove it (CCTV etc), I just kept repeating that's where is was left.

I still can't fathom the reason why, but it was probably one of many things they ask claimants as part of their process, to see what response they give or how they react.

It's frustrating when you don't know how things are progressing or what they are up to or what they are thinking, but you need to keep calm and be polite, they are just doing the job they are paid to do.

You could do with the name and direct number of the person dealing with this and perhaps contact them to see if they have received your phone bill, politely ask them if there is anything else they need from you and how the claim is going.

Yes I understand that, the police are the ones who found my vehicle in a field, the police sent me photos of it and you can clearly see its white, I think by the time the insurance company collected it most of the paint had gone because it accumulated so much rust. I have asked him to contact the police direct with this concern. They have recieved my phone bill because he said thanks. How long did it take for your claim to be settled? Was your claim being looked at by a fraud team? 

Goudy

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

tberry4118

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

DB1904

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

tberry4118

DB1904 said:

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

The engine had been removed, as well as other parts but the police confirmed it had my chassis number on it and thats how they identified the car back to me 

DB1904

tberry4118 said:

DB1904 said:

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

The engine had been removed, as well as other parts but the police confirmed it had my chassis number on it and thats how they identified the car back to me 

So what's the issue with colour then, is there more to this story?

tberry4118

DB1904 said:

tberry4118 said:

DB1904 said:

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

The engine had been removed, as well as other parts but the police confirmed it had my chassis number on it and thats how they identified the car back to me 

So what's the issue with colour then, is there more to this story?

The car that I bought was previously green,  i had it resprayed white. i also sent off the colour change to DVLA. It got stolen, the police found it and called me, the insurance company are saying the car that was recovered is green. But the police photographs show alot of white paint still remaining and a bit of green in the footwell. The car was left in a sewage field behind a locked gate for 15 days in the rain before the insurance company took it. In the official police photos its white and not much rust however the photos that the insurance company took, most of the paint has come off and the car is covered in thick orange rust. The car definitely was white in the police photos