Auto Insurance Claims: My car was stolen HELP!, cell phone bills, new paint

Question
Please I need help. I put about $2000.00 into my car, new paint, shocks ect ect. Then after making it all nice, my car was stolen!!! I was upset, i was stressed. I called state farm and reported it. They brought up a claim i made about 1 year or less earlier when it was broken into, but I shrugged it off. Well I got a phone call from the "new adjuster" who is a SIU investigator. I was curious who they were and why they switched adjusters, I hadnt put 2 and 2 together yet. So as the conversation drew on, they asked me for my cell phone records over the last few months. I was concerned, I mean why did they want my cell phone records. Needless to say this drew up a HUGE Red Flag!!! What does that have to do with my car getting stolen? After reading more on the internet about SIU it seems like they are out to save the insurance company money and screw those insured. So now I am freaked out. I feel like my car got stolen and now I am going to suffer for it, and ITS OUT OF MY CONTROL!!! What in the world do I do about the car, what do I do about some SIU person demanding personal things like my cell phone bills and god knows what else they will ask for next. Do I have to given them my cell phone records, do I have to give them any other personal information that has nothing to do with my claim? My claim is legit, I am out a car, and I am screwed, but now some SIU person invading my privacy and personal life just seems a bit uncomfortable, and the feeling i got from the SIU person was uncomfortable. I buy alot of things from craigslist, so since i use cash they were pretty much making me feel like they didnt belive me. So what happens now, and should I expect them to take me seriously. Should I seek advice from an attorney. Should I refuse to give them my cell phone records since it obviously doesnt pertain to my claim?
Tom

Answer
Hi Tom,

Any time you file a claim for a stolen vehicle, the insurance company always suspects the vehicle owner first. The SUI person is usually an ex police detective or investgator of some type. They are looking into your background to see if that can determine if you had something to do with the theft of your car. You should cooperate with them because if ou reuse to cooperate they will deny our caim on the basis of non-cooperation which is in your policy. If you a nohing t do with it then you should have nothing to fear. If you did have something to do with it then you should withdraw your caim.

I hope this helps
Richard Hixenbaugh