Automobile & Truck Fire Victims
THE AUTOMOBILE OR TRUCK FIRE ACTIONS YOU TAKE TODAY
You have experienced a fire loss to your automobile or truck and now you need to be made whole. If you have insurance the insurance company will work out a settlement with you on the loss based upon your policy (if you and the insurance company cannot come to an agreement on the amount due you then you may want to explore the appraisal clause process. See certified appraisals). If you have an additional monetary loss that is not covered under an insurance policy, such as a building, personal effects, motorized vehicles, etc. then you need to seek a remedy, that being for you to conduct your own independent investigation to collect the dollar amount from the negligent party.
An insurance company will conduct a fire origin & cause investigation. This will hopefully find the negligent party so they can recover their loss. This procedure is handled through the subrogation department. So where does it leave the owner/insured?
The owner/insured is generally not entitled to the results of any insurance company fire investigation. If the finding of the fire investigation does lead to litigation then the fire investigator can usually only represent one party. The insurance company paid for the investigation and they are looking to only recover their loss pursuant to the policy. If the owner/insured wants to recover a loss then they must have their own fire origin & cause investigator present at the investigation in order to represent their interest. If a claim is made to a manufacturer for a loss by the owner/insured one of the first request of a manufacturer will be “provide us with a certified fire origin & cause investigation report showing we are negligent”. If you cannot provide evidence to substantiate your position, then you most likely have no case and no recourse. On the other hand the insurance company has their report and will attempt to collect and most likely will depending on the findings.
In order for an owner/insured to protect their interest the following procedure is recommended:
You may review our photo gallery of Certified Automobile and Truck Fire Origin & Cause Investigations, and please feel free to call us with any questions you may have. We are at your service to conduct a Certified Automobile or Truck Fire Origin & Cause Investigation anywhere throughout the United States and abroad. Remember you own the fire damaged automobile or truck and the decisions you make regarding its disposition may decide whether you are made whole or not.
Frequently asked questions: