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12-08-2005, 09:28 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | possible insurance fraud.
What is the name of your state?What is the name of your state?What is the name of your state? North Carolina. On friday of last week my truck was stolen, stereo taken, and started on fire. I think that i know who did it because my friends from the stereo shop were i had the stereo installed were always talking about how much more they thought that they should have it and the truck. It was the big joke around the shop that everyone would also mess with me about. Constantly "hey were gonna take that truck and have some fun". Me being a pretty jovial guy always said yea whatever its yours. And if your gonna take it you better get rid of it. I always said those comments jokingly and with a big smile on my face and we always laughed about it. One day one of the guys said "yup were gonna get it this weekend when your at your girls house". He also said "that stereo is gonna be mine". "Boy i cant wait to hear that stereo in my car". In return i said "well you installed it and you know were i will be so have fun, but you gotta take the whole thing, truck and all". I figured yea ok like this guy is dumb enough to do it. Well a few days later when i was at my girlfriends house which is about an hour away from where i live i find out that it is gone. I was at a bar quite a few miles away and i get a call from my employer to go talk to the cops. I did and they said that someone must have hated me to do something like this. I didnt hear anything about them until this morning when they came to question me. I took a voice test that tells you if your lieing or not. They asked a bunch of questions and two of them were about the truck. From what the officer said i failed both. One was if i had anything to do with the truck and the other was that i started the fire myself. I of course told the cops that yes i had joked about it with a bunch of friends and yea i guess that they must have done it. They didnt charge me yet but i figure that if i help them find whoever did it or not i will still be charged with something. I take it that the cops took it as if i made a deal with my friend to do it, which i didnt i told the cops that but i dont think that it mattered. I am facing insurance fraud which in this case is a felony. If anyone out there knows what i can do please let me know. I am going out tomorrow to get an attorney because i know that i will need one. |
12-08-2005, 09:40 PM
| | Senior Member | | Join Date: Jul 2004
Posts: 4,431
| | Quote: |
Originally Posted by johnsonjod What is the name of your state?What is the name of your state?What is the name of your state? North Carolina. On friday of last week my truck was stolen, stereo taken, and started on fire. I think that i know who did it because my friends from the stereo shop were i had the stereo installed were always talking about how much more they thought that they should have it and the truck. It was the big joke around the shop that everyone would also mess with me about. Constantly "hey were gonna take that truck and have some fun". Me being a pretty jovial guy always said yea whatever its yours. And if your gonna take it you better get rid of it. I always said those comments jokingly and with a big smile on my face and we always laughed about it. One day one of the guys said "yup were gonna get it this weekend when your at your girls house". He also said "that stereo is gonna be mine". "Boy i cant wait to hear that stereo in my car". In return i said "well you installed it and you know were i will be so have fun, but you gotta take the whole thing, truck and all". I figured yea ok like this guy is dumb enough to do it. Well a few days later when i was at my girlfriends house which is about an hour away from where i live i find out that it is gone. I was at a bar quite a few miles away and i get a call from my employer to go talk to the cops. I did and they said that someone must have hated me to do something like this. I didnt hear anything about them until this morning when they came to question me. I took a voice test that tells you if your lieing or not. They asked a bunch of questions and two of them were about the truck. From what the officer said i failed both. One was if i had anything to do with the truck and the other was that i started the fire myself. I of course told the cops that yes i had joked about it with a bunch of friends and yea i guess that they must have done it. They didnt charge me yet but i figure that if i help them find whoever did it or not i will still be charged with something. I take it that the cops took it as if i made a deal with my friend to do it, which i didnt i told the cops that but i dont think that it mattered. I am facing insurance fraud which in this case is a felony. If anyone out there knows what i can do please let me know. I am going out tomorrow to get an attorney because i know that i will need one. | How did they get your keys?
Getting a lawyer is a good idea. |
12-08-2005, 09:43 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | keys
I always had a spare key inside the cab. It was of course hidden. I tried the magnent that went under the cab but it wouldnt stick. |
12-08-2005, 10:07 PM
| | Senior Member | | Join Date: Jul 2004
Posts: 4,431
| | Quote: |
Originally Posted by johnsonjod I always had a spare key inside the cab. It was of course hidden. I tried the magnent that went under the cab but it wouldnt stick. | See it is things like this that aren't going to look good.
Depending on what the investigation uncovers, you may or may not be charged. (But, you know how it looks so procede as you feel is neccesary.)
If you do end up getting charged it is a serious offense and an attorney will be needed. |
12-08-2005, 10:24 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | So in other words im screwed either way. even though it is a big misunderstanding on my part. |
12-08-2005, 10:29 PM
| | Senior Member | | Join Date: Oct 2001 Location: california
Posts: 7,789
| | | Has your insurance company said anything about your claim?
Was it stolen while you and the truck were at your girlfriend's house?
Did you owe money on the truck? If yes, is what you owed more than what the truck is worth?
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Cal Naughton, Jr.: I like to think of Jesus as a mischievous badger.
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12-08-2005, 10:35 PM
| | Senior Member | | Join Date: Jul 2004
Posts: 4,431
| | Quote: |
Originally Posted by johnsonjod So in other words im screwed either way. even though it is a big misunderstanding on my part. | It all depends on what the investigation reveals. |
12-08-2005, 10:44 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | the insurance company was gonna give me the money for what they thought that it was worth which was 32,500. They were going to send the check to gmac where the truck was finaced through. they had no problems with what they saw and had no questions. I was not at my girlfriends house when it was stolen. by the time it was stolen i was at a local bar a few miles away enjoying my weekend. I owed within a hundred dollars or so from what they were going to give me. the payment i just sent off would put me under what they said it was worth. my payments were 560 a month. |
12-08-2005, 10:47 PM
| | Senior Member | | Join Date: Oct 2001 Location: california
Posts: 7,789
| | | so if you did nothing wrong and your carrier is not telling you they have a problem with the claim, why do you believe you are going to be charged with insurance fraud?
__________________
Cal Naughton, Jr.: I like to think of Jesus as a mischievous badger.
|
12-08-2005, 10:49 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | Because the cops think that it was a scam. the insurance company hasnt seen the police report but they werent concered with it. they were going to give me the money either way. the cops started all this. |
12-08-2005, 11:40 PM
| | Member | | Join Date: Oct 2005 Location: Arizona
Posts: 368
| | | The cops don't settle your claim; the carrier does. From what you've written so far, I don't see any indication the carrier is questioning the claim. Why don't you let them do their thing and let us know if there's a problem later?
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Those who don't learn from history are doomed to repeat it. |
12-08-2005, 11:53 PM
| | Junior Member | | Join Date: Dec 2005
Posts: 6
| | | the police said that if everything goes threw and the insurance company pays off the truck that they will charge me for insurance fraud. if they dont send the check and i cooperate with the authorities then they will lessen the charges. but then again the police are probably just using scare tactics. so your saying though to let the insurance company pay the truck off and then see if they want to file charges? |
12-09-2005, 12:45 PM
| | Member | | Join Date: Oct 2005 Location: Arizona
Posts: 368
| | | How would the police know what transpires between you and your auto insurance carrier? Am I missing something here?
__________________
Those who don't learn from history are doomed to repeat it. |
12-09-2005, 02:34 PM
| | Senior Member | | Join Date: May 2004
Posts: 41,458
| | Quote: |
Originally Posted by InsuranceLadyAZ How would the police know what transpires between you and your auto insurance carrier? Am I missing something here? | I also don't understand how any fraud could be involved, since he won't benefit financially from the transaction. The finance company is going to get the entire settlement....so where is the fraud? |
12-09-2005, 03:02 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,044
| | Quote: |
Originally Posted by LdiJ I also don't understand how any fraud could be involved, since he won't benefit financially from the transaction. The finance company is going to get the entire settlement....so where is the fraud? | The only benefit that I could think of (and one that I've seen) is if the OP is behind on payments (doesn't appear to be that way based on previous posts) or has other issues with their credit where getting rid of this note (which is pretty high) would be beneficial.
Again, that's the only fraud angle that I see, and it doesn't appear to apply in this situation. | |
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