The insured submitted a claim for “stolen” and then “recovered” burned vehicle. The initial claims adjuster secured the insured’s recorded statement in which he admitted being behind on his car loan payments.
The police report noted the loss was suspicious. There were inconsistencies in the insured’s timeline based upon his cell phone activity. When questioned further, the insured advised the attorney that his 6 month old daughter must have gotten a hold of one of their phones and kept hitting the last number called. However, the cell phone towers did not support the insured’s statement.
Further follow up with the police resulted in a reopened investigation. The detective secured a video confession of the insured admitting he made it look like his vehicle was stolen before setting it on fire in a fraudulent attempt to claim a total loss and elude the financial responsibilities of his car payment.
The claim was denied due to the insured’s intentional act as excluded by the policy. The success of this file started with a detailed recorded statement. The value of the vehicle was over $15,000.
This matter has been referred to the DA’s office for potential further action against the insured.