Auto Insurance Claims: Auto Theft Being Considered an Accident, auto theft claim SIU investigation, EUO consultant

Question
Hi,

I have State Farm insurance, and my car (Nissan Maxima) was recently stolen from outside my house. When it was recovered (at a private parking lot), there was heavy damage to front driver's side of the car. In addition, left in the care were personal items in the car that were not mine, including clothing, prescription medication, and personal mail (yes, I know the guy's name). The police recovered the items and are holding them as evidence, but do not appear to be prosecuting at the moment.

However, there was no forced entry into the car and there was a key left in the ignition. It is not either of my keys, as both my sets were still in my possession at home. I don't know what this key is, but it is a Nissan key, and I can only assume it's some sort of Nissan master key, but don't really know.

State Farm is considering it a total loss, and are in possession of the car. However, since there wasn't any forced entry and there was a key there, they are considering it an accident, NOT a theft (basically accusing me of crashing and lying). I don't really understand how, as the police department has the evidence and still has the file open. However, I don't really know how to fight it.

My questions are these:
- In your experience, have you heard of these master keys? I know I have all my keys, so I don't know how he would have gotten a copy.
- How do I fight this with the insurance? I have sent them the police report, and they have the car, but I'm not sure how to fight this. In order to collect my compensation (I have comprehensive for collision, so either way it will be covered, but I don't want this on my record), they are requiring me to sign something that says the total loss is due to an "accident", with no mention of any theft. However, I don't want this to go on my driving record.

Thank you for your time and advice.

Answer
Hello,

You need to call me. This is what we do.

There is no such thing as a Nissan master key. However it does require more investigation. Its stupid these days to try to determine forced entry when vehicles have electronic locks. Of course there are uninformed claims people and stupid experts with crystal balls that can determine anything the insurance company wants or will pay for.

<a href="http://www.autotheftexper.com/">