Auto theft is sadly common around Modesto. If your car is stolen, you’ll be faced with a complicated claims process with your insurance company.
Upon filing the claim, the insurance company will begin determining the amount (if any) that they’re willing to pay for the claim. Under a comprehensive policy, the theft should be covered. If your vehicle is found and damaged, the cost of repairs should be covered. If the vehicle is found beyond repair or never recovered, the insurance company owes you the “actual cash value” of the car, which is calculated as the purchase price of the vehicle minus any depreciation and your deductible.
Some insurance companies automatically assign auto theft claims to the fraud department, which then attempts to look for any evidence that might indicate that you have a motive for making a fraudulent claim. While insurance companies have a right to investigate these claims, there is a line between your duty to cooperate and an intrusion into your personal privacy (which is guaranteed by the State Constitution).
An experienced Modesto auto theft claims attorney can help. You may be asked to give statements under oath or provide sensitive personal information to your insurance company during the process. It can feel intrusive, complicated, and burdensome. Having the right representation can give you peace of mind while preventing the insurance company from overstepping the bounds allowed them during the investigation.
At the Imburg Law Firm, we have years of experience dealing with insurance companies. You don’t need to navigate this process alone. A skilled Modesto auto theft claims attorney can help. Call (209) 577-6666 today for a free consultation.