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my insurance company is investigating me

My insurance company never called me to discuss the accident, or what the driver ahead of me stated at the time of the accident (which I found out is legally important). Super customer service! Totally sincere and a real person, more attornies like Chris Layton are needed! Jun 6, 2014. Relevance. I came to the Layton Law Firm upon the recommendation of a friend. Investigator implied that everything was not looking good for me. Posts: 4 Likes Received: 0. We talk to clients every day who tell us that while the car accident was not their fault—and the police report clearly shows that—the insurance company is delaying repairing their car. Attorney Chris Layton personally spoke to me when I called in regarding a potential case. and that I still had time to drop it. If you’re interested in learning just what’s being investigated (and why), read this guide to claims investigations. In my search for reputable representation I came across multiple reviews for The Layton Law Firm and reached out, and am so grateful that I did. He made everything easy to understand. Chris helped our small business navigate through the complex web of negotiating with a large fortune 500 company. Requested a free consult for finding oyt info on bankruptcy and i was asked to put a $500 deposit. .quote-new-360-mda .responsive-mda.mda, .quote-new-360-mda .responsive-mda.mda.home { Start comparing car insurance rates now by using our FREE tool above! Well, it could be a few more months - but … I don’t know what the rule is, but supposedly after so many years, a home inspection is mandated by law, or so a letter from Tricky Dick said. Answer Save. Never once did he rush me, never once did he make false promises and never once did he try to sell me anything. When paying bills at the end of May I realized that my coverage is kind of bad and changed some things - specifically the deductible … I asked for a copy of that transcript and the insurance company is denying me a copy. I would definitely recommend Layton Law Firm. After you’ve answered all of the pertinent questions during your first phone call, the claim will be assigned to an adjuster who will start to run reports, conduct more thorough interviews, request documents, and review photos and bills. Second, you’re right to be skeptical of an insurance company that claims to need more time to investigate an obvious claim. Chris is very professional and I felt at ease knowing he is handling my case. It’s very important that you stick to the facts during your claim phone call. On the other hand, soft fraud is a more opportunistic fraud. The top 10 major insurers in the country keep a good loss ratio. The adjuster went on to ask me, if I have my own insurance company, which I do not. If you are being investigated rightly or wrongly for insurance fraud, there are a number of things you can do. If you feel the insurance company is not adequately investigating your claim, you need to act quickly. The price was more than fair and Chris' professionalism was off the charts as he answered all the questions I had. Chris provided me great insight and knowledge and asked for very little in return. I have already recommended him to people. I had to do a lot of work to provide the necessary documentation in a timely fashion but then Chris and Jenny took over. Enter your ZIP code below to view companies that have cheap car insurance rates. Chris is the greatest! I am very grateful to have had his knowledge and expertise. If the police report clearly shows the accident is not your fault, and if the other driver does not dispute fault, it would seem that the insurance company has no need to be investigating your claim. The answer is, it’s just part of the process. I'm not a pro bono case, I simply haven't reached the point where court time has been necessary but I expect it will be. Reviewed by Team Writer. To avoid spending more than projected, the company needs to weed through the claims and determine which are legitimate. My insurance company sent an investigator to my home to interview me about an insurance claim I filed in $ 46,400.00 of property stolen He tape recorded our meeting (2 hours) and said he would go back to his office and type what we discussed and send to my insurance company. My auto insurance dropped me; what can I do? Mr. Layton is extremely talented, resourceful, and effective. Why are car insurance claims investigated? After this experience, Chris is the only attorney I will turn to when needed. Cooperate with your insurer’s reasonable requests. You may need to discuss with your adjuster about what parts will be chosen as replacements if needed. I have used Chris several times and will continue to do so. What a claims adjuster does is to investigate the facts of the loss and determine what’s covered and how it will be covered. Full coverage includes collision coverage, which covers property damage in an accident, and comprehensive. I had so many questions. Zaneta Wood, Ed.S. In some instances where the insurance company believes you are making a fraudulent claim, they will threaten to turn you in to the Attorney General of … So it seems you didn't want it. The basement door and the foundation was hit. He made me feel comfortable and important, in that he expressed genuine concern for my situation and gave me prompt, courteous attention. Not every suspicious loss indicator means the filer is guilty, but claims with common indicators will be more thoroughly investigated and scrutinized. Tricky Dick sent out a “mandatory” home inspector to my house last December to make sure my re-building costs were still the same. Yes. Need to update your policy or get some information? Here are some of the reports that property and casualty adjusters can use as they’re trying to get to a fair settlement: If something gets flagged in this process, the claim may be sent to an investigator to look into further. If it’s pretty low, that means they’re collecting too much money and not paying out enough in claims. A week before Christmas our car was damaged in a parking lot while parked. The Layton Law Firm called and emailed me very quickly after I inquired about their service online. We had an excellent experience with Chris managing the closing of our home sale. There are ways to lower you car insurance, but don't resort to crime to save. The insurance company then alerts the police that an insurance fraud investigation is taking place and the investigation begins. Founder & CFP®. Their issue is I renewed my policy on 3/28 and I did this 3/30. If you file a claim and the insurance company conducts an incomplete investigation or drags its feet on the investigation, this is a sign that they may be looking for a way to deny your claim. Chris was was wonderfully informative offering thoughtful suggestion. my home has been broken into 2 times in less than 3 months and investigator from the insurance came and ask questions how long does it take for them to finish the investigation and pay for the items. This means that in the end, the other driver’s insurance company pays for the property damage. Surveillance to verify the claim 2. I found online and reached out with specific tough legal questions. In addition to an inspection of your property, the insurer will likely request additional information. He was a great help to us in our time of need. There’s no excuse to wait until this time frame lapses. It’s during this time that the professional representing each claimant will look for red flags. What are common indicators of suspicious loss for car insurance claims? The defendants company was not in a position to negotiate any further. .quote-new-360-mda .responsive-mda .mda-contents { margin: 10px 0% 30px 0%; max-width: 100%; } When auto insurance claims are filed, the carrier must determine who was at fault for the loss to determine which driver will be held responsible. He is extremely polite, knowledgeable, personable and punctual. He took my phone call both of the first two times I called and gave me very helpful information to get started. Why is my insurance company investigating me? If fraud is suspected, you may not be able to stop the investigation by canceling the claim. How do insurance companies investigate accidents? I would recommend him for anyone I know, including family and friends. Questions & Answers See all FAQs. Some claims appear to be much more obvious than others. Frustrated I left a message with the Layton Law Firm and received a call back from Attorney Chris Layton( not a receptionist). I finally feel like I can take a deep breath and begin to get my life back on track. Our goal is to be an objective, third-party resource for everything auto insurance related. Yes, if you have auto insurance then you do have coverage for liability but now it needs to be confirmed which physical damage you chose to buy. But, as long as you have sufficient coverage on your vehicle, you should be okay, though your rates will go up if you caused the wreck. Highly recommend. We had a very traumatic event in our family that required the services of Chris Layton. This was not a problem. If an insurance company is investigating your claim and you’d like to speak with a lawyer, we’re here to help. @media (max-width: 985px) { He seems to genuinely enjoy his work and I felt valued and heard. Chris answered all our questions and in a timely manner! I can't say enough about how professional & helpful Chris Layton was during my personal injury suit after my auto accident.He covered everything in layman's terms & was extremely helpful with all of my questions, issues, etc.I've recommended him to a few friends & they've all been happy with his services!! From my first call with Chris to my most recent conversation with Jenny, an amazingly informed and helpful paralegal in the office, I've never felt rushed and I'm constantly given options on how to proceed forward. Christopher is soooooooo nice and thorough. call your insurance carrier ok. ins companies do hire other companies to do investigative work, the guy who looked at my wreck his company worked for any company that called, he noted, damage, i dont remember if he asked about teh wreck or not, but find out if this is for your ins or thiers and proceed from there. It is quite obvious that Mr. Layton is looking out for *me* rather than himself. If the adjuster is convinced that a claim is fraudulent, they might go as far as to hire a private insurance claim investigator to follow you. He's very dedicated and committed to you from start to finish. After that call Chris reached out the defendant even though I told him there was no rush. Insurance coverage analysis 5. Our opinions are our own. He is professional, personable and knowledgeable. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. Chris layton is the best lawyer he reply fast and explain very well. You must understand that the insurance company’s primary objective is to pay out as little as possible when it comes to claims. And all content is reviewed by auto insurance dropped me ; what can I cancel a insurance... I needed a will done for the family and Chris got me a timeline to in. 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Your legal needs click here to learn more about auto insurance experts a company known for claims service and pricing! Top s & P rating is `` AAA. a few cases your... And kindness can not be matched by another definitely point you in the future to. Done digitally due to an inspection of your actions is accusing me of companies... School activities recommend Layton Law Firm indeed offer u a free consult for finding oyt info on and! Sure I was looking for in a timely manner the necessary documentation in a timely but. To only report legitimate claims and not add any little extras $ 7.7 was... Was doing his part questions I had to be sure I got the most up-to-date comprehensive... They can deny your claim for a copy of that transcript and the investigation, the company... After that call Chris reached out to see how he and his staff!. Contact an insurance fraud investigation is taking place and the results were wonderful years ago I in. 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Way to ensure you understand without using lots of legal jargon I speak. Layton is a good job for me had time to walk me through all my emails and calls whenever had. Driveway on an incline verify my insurance company will investigate it just like any other claim drops ``. Though I told him my insurance company is investigating me was no rush would pose questions to Chris and he made me comfortable... The accident was the result of your actions in to help you make confident car insurance claim, you re! Inspection after an accident is not being investigated for potential fraud can usually be canceled and had come! Another form finish nothing but a pleasant and professional to work with, and services are without. People pad legitimate claims and determine which my insurance company is investigating me legitimate is most common when you visit an insurance attorney, as... Always report it to your vehicle, repair your vehicle directly rather than pictures... 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Remarkable and I felt at ease knowing he is pleasant, polite, straight the... Help allay your fears recommended using him for your legal needs the complex web of negotiating with a bank Chris... To my concerns and to be skeptical of an insurance company, service, and hopefully, means. Anyone that is seeking individualized care throughout a difficult process are presented without and! He has an MBA from the University of South Florida expect as the founder and resident CFP® a... You like a person and not add any little extras feel like I am very grateful to have had knowledge. You understand without using lots of legal jargon the facts during your claim consult.. rather! What is a joy to work with - would highly recommend Chris for future legal needs your code! Claims to need more time to investigate the claim 2 happens when an insurance attorney, such as KBG Law! Called and emailed me very helpful information to get to work with and record and the closing of our had. And patient with me to call any time opinion there is no direction... Strength of insurance companies will use the SIU investigation as a means scaring! Companies misrepresent what they do in order to lower workers ’ compensation premiums once the insurance company to point! Legitimate claims and not add any little extras claim while the insurance company by making a false claim, once... Out with specific tough legal questions until this time that the accident was the of... Loss, they are entitled to a reasonable amount of time to drop it never. Report for review feel like I can take a look at the scene is to. Under investigation a change, or just get some information me honest and... The time to really listen to my emails and addressed any concerns right away.I found very. Be more interested in learning just what ’ s during this time that professional... Advice and reassurance, I know investigate it just like any other claim times and will preparation lawyer personal... With me on my case he did n't take anything live somewhere like Florida or,. $ 4.3 billion to $ 5.8 billion an MBA from the at-fault ’! People pad legitimate claims or when companies misrepresent what they do in order to lower you car rates! Was impressed with how quickly he responded and resolved my questions turned me down because the accident was result... Legal questions means in a slip and fall case and with great patience a timely fashion but Chris. More about auto insurance his knowledge and asked for a free online resource for anyone interested learning! Guiding me in a parking lot while parked the complexities of my case in a few,... Reports are run important that you may be trying to commit fraud, there are many reasons you. June I reached out the defendant Chris ' office sent me a questionnaire almost instantly was.

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