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Old 02-08-2001, 05:07 PM
DyLynn Plunkett
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In January, my husband, my 11-month old daughter, and myself attended a movie in a town nearby. We arrived at about 6:30. The movie wasn't over until almost 9. When we went out to the parking lot, our vehicle was gone. We had locked the vehicle and my husband and I each had our keys. We reported the car stolen immediately. The vehicle was recovered 4 days later in a creek or something of that sort. The radio/c.d. player, amp, and 12" speakers were gone. The car looked like it had been rolled and wrecked. To my knowledge, the police couldn't get any good prints to find the thief. Our insurance company was contacted the night of the theft. We were assigned an adjustor. She sent an affadavit for me to sign and have notarized. Also, I had to sign a release of the vehicle to State Farm. I returned those documents the following Monday, which has been 10 days now. Today, a new adjuster from another office of State Farm called me. He said that some questions had come up and there were a few things that he would need. He said that he needed me and my husband to come in to give a statement, which he said would take at least an hour for each of us. He would also need us to release our financial information, and agree to have an expert examine our vehicle.

The expert thing doesn't really bother me, it's the fact that he wants a "recorded statement" and access to my financial affairs. Is this legal? Do we have to comply with their demands? My husband has already given a recorded statement to the first adjuster. I really need some advice on this situation. I haven't read or heard of anyone else in this same predicament. There is a commercial on tv of an attorney who worked for State Farm in the past as an adjuster. He says that he hates insurance companies. He ALWAYS says that you don't have to provide a recorded statement. I need to know what my rights are under these circumstances. Please help!!!!!!!!!! I live in the state of Texas.
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Old 02-12-2001, 09:00 AM
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You don't have to submit to a recorded statement, legaly speaking. But, you have a contractual obligation to cooperate with the investigation. As a guess, I'm thinking that State Farm has transfered the file to some type of special investigations unit. This is common with stolen cars that end up burned or underwater. Cars are reported stolen for 2 reasons, 1.) the car was really stolen, 2.) the owner had some financial reason to file a bogus report. State Farm is trying to rule out #2. What they are asking for is common practice. If you did nothing wrong and are cooperative they have no reason but to pay your claim. Also, these claims take about 30 days to process.
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