Mar
We’d a theft last year days before we moved (there were no problems, claim was paid promptly) then just months later, the movers drop our stuff in the ocean during our move. Again, no question about the actual incident. I’ve been with my insurance 15 plus years and they concurred to take the claim.
Months later, lots of stalling, they flagged the account for a duplicate item that they thought was previously reported stolen. I proved we’d more than one when they sent an investigator out. I thought all was good, then suddenly they are calling me and asking me about my bankruptcy years ago, (that I did tell them about) and about my eBay accounts and past claims which we couldn't remember anymore. Then I noticed they are looking at all of my websites including the business of my husband.
I’m really hurt and angry that they are treating us like this but my mom stated it is normal, that we’re just paperwork and all claims are handled this way. Others are telling me that they are doing this to get out of paying claims because of the economy. I have to admit, I’ve been searching the web and found all kinds of horror stories like mine where they did all the same stuff to people who were loyal, even past employees. I have always loved my insurance company, everyone has always been so nice and I always felt they would know we were good people and certainly would never try and screw us. I was defending them up until recently. But now I dont know what this is about.
Is it normal for them to go into your personal life? What’s the point of that? The rep said she’s just doing her job but why check our websites and bankruptcy papers from years ago? There is too much proof and too many major companies involved in the damage for them to think we staged it, and they saw the damaged stuff first hand. Everyone is telling me to get a lawyer and to draw the line but I just think that would make us seem like we’re hiding something, so I keep giving them all the stuff they ask for even when I feel it is invasive and hurtful.
What is the purpose of all of this and should I take it personal and do something about it??
Answer:
This isn’t something for you to take personally or get a lawyer to draw the line. Your insurance company is doing not only their job but also fulfilling their responsibility to all their policyholders. Your policy contains language that specifically states that they can request this information from you and that they can investigate your financial records. Further it requires that you cooperate with that investigation. From what you’re stating I am quite sure they’re not questioning that you staged the incident. However, many people don't think it's wrong to turn in claims for items that they never even owned, that haven't been lost or damaged, etc. Sometimes these people seem to be “good” people and have even had insurance with the same company for many years. A part of them just feels “oh the insurance company has money and I've paid them well even more than I should have so this is okay”! And in this economy you wouldn’t be believe what some “good” people are doing that basically amounts to insurance fraud.
Your insurance company has a duty to investigate any claim until they feel satisfied that there has been no “padding” of the claim and that you’re legitimately due that money. Also I wouldn’t take the advice of “everyone” they are not you and are not in the situation nor are they insurance professionals and ditto for reading horror stories on the internet.
Listen to your mother in this situation she seems like she’s very wise. My only concern in everything you described is to ask why you turned in the claim involving the movers to your insurance carrier. If you were my client, I would have advised you to file that claim against the movers who should have insurance. Filing it with your insurance company means you will have to pay the deductible and have another claim on your record plus all that you’ve been going through because they can see your prior claims. Your insurance company will turn around after they have paid this claim and subrogate against the movers insurance company to recoup their losses and your deductible but that could take months or up to a year. If you’ve not yet been paid, consider filing the claim with the movers insurance. Of course let your insurance company know that you’re doing this and that if you are successful you will close the claim with them.
i hope this helps. Good Luck!
Answer:
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Answer:
You already have 2 great answers here.
And, I will just add that it is normal after a claim to investigate your personal life. There is a lot of fraud and insurance companies try to find it. Just cooperate and everything will be fine.
After 2 claims your lucky if your insurance company does not drop you.
**** Recommendation, take a higher deductible now and save on your premiums and do not put in any more claims for a few years unless its Major or something that you can not afford to pay.
Answer:
Given the current say of the economy, insurers are being deluged with more false claims than ever. They’re working diligently to weed out any such false claims. What you are experiencing is part of those efforts. They are simply satisfying themselves that your claim is valid, and isn’t related to other personal financial issues, which might have caused you to fabricate a claim.