How much personal information do I have to supply my insurance company for an auto theft?
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How much personal information do I have to supply my insurance company for an auto theft?
My vehicle was stolen in the middle of the
night from my home. When I noticed in the
morning I filed a report with the police, then
a claim with my insurance company. When the
insurance company called me back they had sent
my claim straight to the theft and fire special
investigation team. The representative for
progressive asked me to send them copies of my,
phone records, bank statements, credit report,
receipts from parts purchases, and have called
and talked to the other occupants of my house
hold.
Asked on April 24, 2018 under Insurance Law, Indiana
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
If you don't provide them the information they seek, they will refuse to pay your claim. You could then try to sue them for "breach of contract"--for not honoring the obligation(s) in their policy--for the money. However, in that lawsuit, they will request the same information using the legal mechanisms of "discovery" and will be able to get it if they can show *any* relevance whatsoever. Since theft claims involve the possibility that you collaborated in the "theft" (e.g. sold it a "chop shop" and placed an insurance claim; paid someone to steal it so you could file a claim; etc.), information as to your contacts and finances may very well be considered relevant by a court--i.e. there is a reasonable chance they would get this information in a lawsuit, anyway. Assuming this is a legitimate claim, you may wish to simply redact any particularly sensitive information (e.g. your bank account number) and provide.
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