This is an all too common scenario for policyholders who have been the victim of a car theft. Under your insurance policy, you have a duty to cooperate with your insurance company. This means you need to give them what they are asking for, such as sign the consent form, sit for an examination under oath, give them your cell phone and bank records, etc. If you do not do these things, your insurance company can deny your claim for failure to cooperate.
If your insurance company denies your claim, then you may have an insurance bad faith case against them. An insurance bad faith case is when your insurance company UNREASONABLY denies a claim.
You insurance company should not be treating your claim like an adversarial process, but all too often they do and it makes your life hard. As much as you don’t want to because they are being rude, you have to still cooperate. Keep reminding yourself that the worse they are to you now, the stronger your bad faith case could be if they do end up denying the claim. Be courteous and polite when talking to them and their unreasonableness will look all the more abhorrent if you later bring a bad faith case.
