Auto Insurance Claims: auto theft, ignition, keys

Question
A week ago yesterday i locked my purse up in my car with my keys in it. That night someone broke in my car and stole my purse. Four days later they came back and drove off with my car. The police were called and a report was filed for the auto theft but not for the initial theft. Now the insurance company needs a report number for the keys being stolen. A call was made that morning to report it to the police but I had to go to work and could not wait for an officer. So there is some record of me calling but no report.Can I have an officer come out now (a week later) and file a report? And will that be enough for the insurance company? What should I do?


Answer
Hello Jessica,

Isn't it nice how your insurance company trusts you? You told them the story and they need "proof" you are not lying. Police reports take forever and unless you are in some small town where the cops have nothing else better to do, you most likely won't get a cop to come over. It is standard procedure to take such property crime reports over the phone. Call it in and request how you get a copy of the report for your insurance company.

This illustrates my point so well in which the insured is placed under suspicion with the auto theft claim. Not all insurance companies are like this, but the big ones are looking for any reason to deny theft theft claim although in this instance, nothing was mentioned of denial yet.
Fraud is a major problem and I do not condone such activity and if it can be proven, the person(s) should be prosecuted to the full extent of the law, but here we have a woman stating her purse was stolen with the keys in the car, and then her car was stolen days later. That statement should be good enough to pay the theft claim unless her policy is stated differently.

Good Luck,


Rob