My car was stolen in Baltimore city and I reported it to the police, but they didn’t want to file a report because they don’t seem to do their job. I did get an incident report, though. I had full coverage, and at first, the insurance adjuster worked with me and gave me a rental while they looked for the car. Three weeks later, they found the car flipped over and abandoned in Baltimore County. But then, my insurance denied the claim, saying I didn’t properly report the car as stolen. I went to the police station twice and even had an interview with them on camera where they questioned me like I was a criminal. They even tried to accuse me of selling my car for drugs, which is all on camera. They came to my house when they found the car totaled, with other people’s stuff inside. The adjuster then decided to deny the claim and said they wouldn’t pay anything for my car. Does anyone know a good bad faith or auto accident lawyer in the Baltimore area? Thanks in advance.
What did the letter from the insurance say as the reason for denial? Something doesn’t seem right here.
Afton said:
What did the letter from the insurance say as the reason for denial? Something doesn’t seem right here.
I found a comment from the person who posted this a year ago about a similar issue. It all sounds a little strange.
@Teal
Was the claim denied because of fraud or misrepresentation?
Luca said:
@Teal
Was the claim denied because of fraud or misrepresentation?
They may have talked to the police, but there’s no clear evidence that a police report confirming the car was stolen exists. Usually, police don’t interrogate people about their ownership of the car or ask questions like that unless they suspect something is off. It’s also strange that the police found the car three weeks later, and then the insurance company denied the claim when they found the car. Normally, police find stolen cars, not insurance companies. The fact that insurance dropped the claim after the car was found makes me think there’s more going on here than what’s been said.
Was this a situation involving a rental gone wrong?
Okay, now we need the real story. You posted a comment last year about something similar. I’m guessing you either had just liability or only comprehensive coverage and tried to file a false report after the car was wrecked? Nothing really adds up here, and the fact that it took over a year for you to post this again makes me wonder if this is even a priority for you. Or maybe you’re just making stuff up. Who waits that long when they’re sure they’re in the right? Nobody.
No one on this forum can help you find a lawyer. You’re going to have to use Google for that.
This sounds like there’s more to the story. If you have an incident report and they were paying for your rental car, something happened after they found the car that made them think your claim was fraudulent. I would also be curious to know exactly what the denial letter said.
Police don’t like to file reports for fake claims. Everything you’re saying doesn’t add up. If the police ‘interrogated’ you, it’s because they think you’re lying.
None of this is making sense. If your insurance adjuster and the police suspect something’s off, it probably does smell fishy. Care to share more details? Who is your insurer?
I’m not sure what happened, but it’s definitely not the story you’re telling us.
Yeah, I think you’re lying here.
Is this your first stolen car claim or any other total loss claim?
I’ve been looking at your post history, and it seems like the same car got flipped over a year ago, and your insurance denied the claim then too. If the same thing happened twice, that’s one heck of a coincidence. You’ve been inconsistent about whether a police report even exists, which doesn’t help your case with adjusters. You definitely spoke to the cops, but it’s unclear if they documented the car as stolen. Without knowing why your claim was denied or what language the policy used, I can’t really offer any advice.
‘Police don’t like to do their job’ 
If the police don’t classify it as a stolen vehicle, your insurance won’t treat it as stolen either. Simple as that.
Maryland has a state insurance oversight board. My advice is to get a lawyer who can handle your case and contact your insurance. If they continue denying your claim, file a complaint with the board. They can make the insurance company pay and possibly cover your legal fees. You could also take the case to court and ask for punitive damages. About 14 years ago, I had to go through a similar process after an accident, but eventually, everything was resolved.