Insurance auto theft forensics investigator, Insurance automotive damage investigator, Insurance forensic automotive engiñeer consultant, Insurance forensic investigator, Insurance forensics investigator, Insurance fraud investigator
All too often, insureds are denied on their auto theft claims because of junk science. There are no facts other than speculation by the forensic locksmith masqueraded as fact.
Insurance companies use these independent services because they appear to be valid. At least until some poking around is done by an opposing expert and the truth is exposed. Here you have some “Forensic” (No one even questions the validity of this title) locksmith expert that takes a guess forcing the insured’s claim to be investigated. The forensic locksmith doesn’t care if he is accusing the insured of fraud. The forensic locksmith collects his money and goes on to the next target! For those not aware, most carry $2,000,0000 worth of errors and omissions insurance generally required by the carrier. Lawyers have been hesitant to sue them because it diminishes the claim against the carrier. I say sue them both. The forensic locksmith is an obvious fraud and that can b easily proven. The carrier is conspiring with the forensic locksmith for the purpose of not compensating the insured for the claim. Hmmm…. Wonder if te carrier and their expert can say the catch phrase RICO (You know, racketeering and Corruption). I am not a lawyer, but this might be an interesting route to check into.
Plaintiff and criminal defense attorneys, when you have auto theft denial cases, you are being played because of your ignorance on the subject of last key used. Judges, these so called experts are making a mockery of your courtroom in my view.
Of course this all sounds like I am real good at accusing the insurance auto theft experts of fraud with only my opinion. Wrong! I have fact! Key of the proper type is a fraud in itself and does not mean the insured’s key was used last. The only reason it is believed to determine the insured’s key was used last is because you actually believe science was involved to reach this conclusion. It is all a big lie!!!!!
If you have a case in which the insured is being accused of having the last key used in an auto theft, you need to contact me immediately! 1-866-490-1673 or 1-903-513-7808 and ask for Rob! I am capable of shutting down 99% of these cases! 25 years court room experience! Insurance defense and these charlatans are scared to death of me and have tried since 2002 to put me out of business and I am still here with a vengeance!
If you need to write, my email is email@example.com
It appears as though, far too many consumers are taking a very life-threatening recall campaign for their vehicle too lightly and are not doing what they need to do. I believe they do not understand the potential risk of injury or death caused by defective Takata air bags.
The steps to confirm that your vehicle is subject of the Takata air bag campaign are extremely simple. Contact me through phone at 1-866-490-1673 or 1-903-513-7808, or you can write me at firstname.lastname@example.org. Supply your VIN (Locations are addressed later). On email, subject line is air bag recall. I will get back to you the same day to determine if your vehicle is affected. It’s a free service to the owner and no charge to you will be incurred. In the event your vehicle is affected by this extremely important recall or any other, I will advise you. If so, contact a local dealership to have them address the recall. Since it is a recall, again, there is no charge to the owner.
Years ago, Takata issued recalls on their air bags on tens of millions of vehicles. The recalls are not meant for one specific make or model. Just about every vehicle has a Takata air bag.
The reason for the recall and the immediate danger to get the vehicle into the shop to get the recall handled. This is serious! In the event the vehicle is involved on a collision and the air bags deploy, what is happening is shrapnel is coming out with the deployment of the airbag! There is extreme concern for injury or death! This is not one of those recalls to be ignored. There is no charge for the owner to correct this problem.
In my case, I have seen the results of these defective air bags. To illustrate as to how serious this recall is with no exaggeration, picture someone aiming a shot gun at your face and upper torso from a couple feet away! The results are the same!
All you need to do to see if your vehicle is recalled or if recalled and problem has already been repaired is call me at 1-903-513-7808 or email me at email@example.com with subject line air bag recall and supply me with your 17 digit VIN.
Where is the VIN if I don’t have any paperwork with the vehicle’s VIN inscribed on sales, insurance card or registration?
The VIN is located behind the windshield on the driver’s side of the dash. You can see it by being on the outside of the car on the driver’s side and peering into the windshield on the top of the dash.
Another location for the VIN is on a mylar label located on the driver’s door or door jamb which varies from vehicle to vehicle.
Once you supply the VIN, I will get back to you rather quickly to inform you if your vehicle is affected. I do not charge the owner of the vehicle for this information and am happy to supply the public with this information to save injuries and possibly death!
This recall campaign is extremely important! You may now feel too scared to drive the vehicle if affected. Tell these concerns to the dealership and they make arrangements for you to get a car to drive until the recall campaign is successfully is no longer an issue. As stated, this is an air bag safety campaign, which means you do not have to pay anyone to address this problem.
There may be additional recall campaigns that need to be satisfied as well and again at no charge they can be taken care of at the same time.
Other than recalls associated with vehicle fires, I feel this is the most important recall addressing potential injury and death that I have been made aware of and I have been doing vehicle component defect examinations for close to 40 years! Please do not ignore this Takata vehicle air bag campaign.
Other than a little time contacting me and supplying the 17- digit VIN to me, this will give you peace of mind knowing what recalls are open on your vehicle and if it is safe to operate. I have never been a fear monger and extremely careful as to what I tell the public on the safety of their vehicles. In fact, on some not as important I underplay the potential affects. This is not the case in the Takata air bag recall campaign. This product has the potential to injure or kill you and your passengers in the event the vehicle is involved a collision!
There is another related recall campaign on GM vehicles in which the air bags will not deploy. This is about the GM ignition switch recall, in which the ignition lock will go from the on position to off, shutting the engine off and supplying no electrical power to initiate the air bags to deploy in a collision.
The combination of these two recalls in one GM vehicle leaves a kunundrum. Damned if the air bags deploy and damned if they don’t deploy!
©Copyright 2019. Rob Painter with all rights reserved.
I started a business part time in 1981. We rebuilt all columns, Ford, GM, Chrysler, Toyotas. You name the vehicle. I will go on about theft recoveries in my next article.
I was working for an Oldsmobile dealer as a Service manager and we were inundated with theft recoveries. I imagined a business that exclusively repaired theft recovered and vandalized vehicles.
I started working in my home garage. I advertised in small neighborhood newspapers.
I then bought the very popular theft deterrent known as the Chicago Collar from the cop that designed it. The Chicago Collar installed at the dealer cost $150.00. I had distributors. In fact, it was so cool-I never had to even use my own money to buy the product! I already had enough distributors and product to pay the cost of buying the product.
GM vehicle until 1994 used the very common Saginaw steering column as did Chrysler. Cadillac and some other GMs incorporated the column after 1994, but the column after 36 years.
To steal a GM with the Saginaw tilt took about 30 seconds for a teenager with a screwdriver. Method of attack was on the left side of the steering column, completely the opposite side of the ignition lock location. The kids in jail taught other kids how to do this as well as how to run with cuffs on. Some gangs would hold training courses at junk yards!
Breaking the column. One method common with the north side of Milwaukee was to break the lower cast shift bowl. The shift bowl was called that because it rotated when you were changing shift positions with the transmission shift lever from Park to Low. On floor shifts, also known as a lower shift bowl. The really cool thing was from 1977 to 1994 all Saginaw steering columns shared most of the same parts. The part number on the shift bowl was only different because of the length of the plastic shroud attached to it. There were 4 locking fingers that attached the shroud to the bowl. We would just squeeze the shroud, remove it and replace with what we needed.
The column parts never had wear issues. Oh, there would be complaints of looseness on the column, especially on trucks with over weigh owner grabbing the steering column to get into the vehicle. Some who did a quick job only tightened the 2 of 4 bolts and it would loosen up again. The bearing housing had to be removed to get to all 4 bolts. I never had a lose column come back I had tightened. Most did not realize a special puller was required to remove the tilt pins in the bearing housing. What made us different from most we never put junk yard steering columns in. Each steering column was rebuilt in the vehicle. This way, we could offer a workmanship warranty on the steering column.
I used to go to a junk yard and order 50 steering columns at a time. The best deal I ever got where they removed them and I paid $5 each. As I said, the internal parts did not wear out and installing an unknown steering column that may be collapsed or loose was out of the question. On a Saturday afternoon or Sunday, we completely disassembled these columns. Paint was removed from the outer components. We painted the columns to match the vehicle with the original factory color.
Many times when the thief did not get the lock plate disengaged for the steering wheel, the splines on the upper shaft and broaches in the lock plate would strip. Dealer cost on the upper shaft was $200.00 Well, I had 300 shafts, lock plates for tilt and tele, tilt and non-tilt in stock at all times. The plastic horn/tsignal cancel cam would also break. I had about 200 of them in stock as well.
The dealer could not compete with us! We were rebuilding columns for body shops too! We got so good at rebuilding steering columns that we would have contests. I did one blindfolded with the tools and parts laid out on my snap on cart in 45 minutes! Without a blind fold Mike and I could rebuild a steering column in 30 minutes. A job that paid 5.0 hours plus paint time of .5.
I would or my wife at the time Kathie went to the police department every day to what we called the theft list from the night before. We would send a flyer offering victims a free Chicago Collar with every repair. The Chicago Collar was 2 pieces of stainless that went on top of the lower bowl to reinforce it. It was visible, attached with stainless rivet and when we went a little farter and installing a hidden ignition interrupt, we had attempt theft, but no one got the vehicle.
The left side of the column was vulnerable. Without the collar, as I said, the locking mechanisms could be defeated in as little as 30 seconds. The control locking the transmission shifter was located there. The Rack as it was called had a loop that looked like a D which cops called the D ring controlled the locking of the steering wheel and ability to start the engine. The rod for starting the engine inside the circle of the D. The thief would break the soft metal D and it would drop to the floor. Then he would take the screwdriver and hit the remains upward towards the steering wheel, bouncing the spring of the geared plastic sector. The steering wheel was no unlocked. To start the engine on a broken tilt column was to pull on the ignition rod and engine would start and vehicle could be driven with no keys or damage to the ignition lock!
There were times they accidently engaged the brights and did not know how to turn on low beam. That is how some thieves got caught because of the bright lights.
How Did They Break Into The Vehicle?
There were many ways kids would break into cars. There were some that they would literally rip the door lock from the outside door panel. They also commonly broke the vent glass in the rear, reach their arm in and unlock the door.
They also used wedges to pry the door and stick a rod in the car and press the unlock button. Slim Jims were common. A straight think piece of metal that had a couple cut out that slid between the door glass and the door which could manipulate the door lock linkage and unlock the door.
Try out keys in the outer lock were used as well. I never saw evidence that a vehicle door lock was ever picked.
The second way to defeat the Saginaw steering column was used on the south side of Milwaukee in the Hispanic area was a different theft method.
The left side upper housing in close proximity of the dimmer/wiper switch was attacked. The left side of the lower bowl was not touched. The sector spring was ripped off, the geared sector was slipped off. The steering wheel lock was just released. The geared end of the D ring or rack had teeth on it and all one had to do was place the screwdriver on the geared portion and pull. This started the engine and the transmission could be put in gear.
© Copyright 2019. Rob Painter. All Rights Reserved.
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Here is the root cause to these cases:
This is what stands in the way of insured’s being paid for their theft claims, and makes the difference between a clean record or conviction on auto theft claims/cases. This story has nothing to do with auto theft, but the junk science of forensics. The same junk science applied by insurance carrier vendors when determining the last key used in a reported stolen vehicle.
You may say “This sounds to complicated, stolen vehicles and forensics.” Do not fear!
I am here to tell you dealing with these claims/cases for over 25 years as an expert witness, I can assure you I have everything behind the claim/case down to a perfect science either serving as a consultant or an expert witness.
I have made these issues my mission in life, to have more knowledge than anyone on every aspect of these cases. I still do not know everything, but am constantly trying for that goal. I know in many cases what the opposing expert does not know from past performances. Unfortunately, they get free training from me when I call them out on their non-sense in these cases. The problem is they never seem to learn, or their past mistakes are brought to life.
Auto Theft Claim Denial Cases Are Very Common! The only problem from my experience nationwide over the years has been taking on a new client attorney who will say “This is the first case of this nature I have ever had.”
Of course these cases need you to perform your lawyerly skills, but they are different.
What makes them different? Unlike many cases out there they are built on a house of cards with a sand foundation in a wind storm!
The mechanics of these cases: These cases are built on the third party forensics the carrier contracted to examine the ignition, the keys and anti-theft system of a reported stolen vehicle. The purpose is for forensics to determine how the reported stolen vehicle was last driven before the theft. Commonly, it is asserted that the insured’s keys were used last implicating the insured with the theft. There by making it a fraudulent claim.
The carrier has great confidence in their forensic experts in this area, because uncontested, the insured or defendant loses.
After all, the courts are in awe of a Certified Forensic Locksmith or engineer title, which causes their credibility to soar! The main reason: Ignorance of everyone in the court on auto theft methodology and how forensics is supposed to interact! There is no comparison, so the expert’s methodology can’t be questioned as well as he conclusions.
Let’s throw a monkey wrench into this finely tuned process the carrier uses to control its costs by not paying the claim, or convicting the insured as well if the claim goes criminal.
I guide the client through every aspect of the claims investigation. These investigations for a manufactured motive can’t go forward without the forensic expert inferring the insured had the last key used. Without the report and conclusions, the investigation has no way to go forward.
Depending on the strategy of the attorney, we can take the expert out in deposition, or damage his credibility to the attorney’s specifications.
Personal attacks are not applied, however any previous reports by the expert can be compared to the case at hand for standardized examination methodology. Many of these experts nationwide, I have past depo and trial transcripts and reports.
Forensic locksmithing the way it has been applied over the last decade has not progressed, but digressed. These guys have gotten lazy. The only forensics applied is in the title they so willing us to impress the courts!
There is no one that has the training, background experience I do in auto theft and forensics!
Just a little about me:
I had a business that repaired theft recovered vehicles for 20 years. This means that while these experts were locksmithing, I was putting major puzzles together in the case of a full strip! Not only did I make keys and service locks, but serviced factory and after market security systems. In fact, I defeated the impossible to bypass transponder systems. Los Angeles “Greines v Ford.” In another LA case serving as an expert witness, I decimated the opposing expert in “McCoy v Progressive.”
In Fresno it was “Sidhu v Farmers.” Over 25 years serving as a consultant/expert witness, there are a large amount of cases our side prevailed on, not including all the cases we forced settlement without court intervention. I have about 20 published cases through Westlaw and other legal resources.
I authored the first 1,350 power point slide training course on auto theft and forensic examinations in 2001. The testing methodology was vetted by the FBI tool mark and firearms supervisor as well as the US Army Crime Lab in Georgia.
My first book I authored was in 1998 “Auto Theft-Let The Truth Be Known!” Even though it has been out of print for some time, sill listed on Amazon.
In essence, there is not a vehicle out there that I have not been able to illustrate to a jury as to how to steal without the insured’s keys! Better yet, in many cases forensics can not be ruled in or ruled out!
It gets worse for the opposition–Who have I recently worked for? A repossession company, where from the time the tow truck wheel lift touches a vehicle’s wheels, it can be as little as 30 seconds before the vehicle is mine!
Here is the part that can be approached in many ways:
Is your client looking for a quick settlement? That is entirely possible! I review the file and the forensic report on the vehicle and generate a report that you as the attorney can submit to the carrier and ask them if they really want to proceed forward? We never bluff!
Or, the case goes to deposition for the insurance personnel involved including their forensic expert. I supply the questions for the client attorney, and we eviscerate them!
Last but not least, I can be retained as a consultant/expert witness and make a fool out of the forensic expert illustrating to a jury, not only can the vehicle be stolen without the insured’s keys, but all the so-called forensics applied to the case was a scam. These ae not my opinions, but fact!
Low Cost Benefit: If I am serving as a consultant assisting the attorney, travel may not even be necessary! This is truly possible in cases for quick settlement without having to go through the court system.
I have had prosecutors very confident in their dealer expert call me and talk to me for a half hour and dismiss the case!
These auto theft insurance claim denials are based on the forensic expert they have. Take out the expert and there goes the case!
If you do not currently have an auto theft claim denial case, you may want to be proactive and attempt acquiring one or two. You may find these cases to be simple, but fun to do in which you as the plaintiff attorney control the outcome of the case with your consultant! Let your consultant do the work for you.
I am an expert on every level required on auto theft claim denial cases. I am also an expert on the experts. I know what they can and cannot prove. For years, their conclusions inferring the insured was involved have not been a fact, but a pure deception in my opinion by the use of semantics. These experts are not lying. They are just telling half truths. It works because no one in the court knows better, yet I have proved it time and time again for the past 25 years!
I also do failure analysis and crash analysis. Vehicle recalls like the GM ignition recall.
I had a fatality Chevrolet crash in which the air bags did not deploy. They did not deploy because of the GM ignition switch recall. Was the vehicle listed in the recall? No! I had to cross references the ignition lock and key design to find that it was in fact involved in the recall. I supplied a very extensive report including weather conditions, as well as using a like kind vehicle to test my theories. Everything matched what the on site crash investigator surmised over a year prior.
Insurance defense attorneys and prosecutors may feel left out here. Please don’t. I can assist you by reviewing your claim/case in order to head off any future liability issues by your forensic lock expert.
I work for anyone looking for the truth!
Copyright 2019. Rob Painter.
Auto Theft Claim Denial Case, Auto Theft Claims SIU Investigation, Auto theft expert witness, Auto Theft Insurance Investigator, Auto theft SIU investigation, auto theft victim, Chad Tredway North American West, Denied Auto Theft Claim, EUO Preparation, forensic ignition consultant, forensic locksmith, ignition forensics, insurance, insurance auto theft claims, Insurance Fraud, key of the proper type, Last Key Used In Stolen Car
Source: Auto Theft Claim SIU Investigation, EUO Consultant. Court Qualified Auto Theft/Forensic Expert Witness, Vehicle Fire Origin and Cause Instructor.
Serving The US.
What is wrong with a Certified Forensic Locksmith opining as to if the vehicle was stolen or not?
Most from my court experience opposing them tells me one of two things. They are either the dumbest experts out there or they are flat out dishonest when they acuse the insured of having the last key used.
It is normal to see a forensic locksmith report to state the key and lock had average wear consistent with the age of the vehicle. Unfortunately, very common.
The question then is; if they are going to stretch the truth here, what else in the report is misinformation?
This statement is a great example of the lack of validity these reports have.
First of all, usage affects the wear, not the age of the vehicle.
Define average as it relates to wear. Now, this is supposed to be a factual proven statement. There is no way to factually determine average wear. However, if such a statement is made about wear, then the lock should be removed and disassembled. The wafer (tumbler) lands (where the key rides when inserted in the lock) should be measured with a micrometer. Those measurements should be compared to new wafers. The same measuring applies to the keys from old to new.
Without doing this the statement is a scam into making one believe they are the forensic experts they portray themselves as.
Forensic Locksmith Reports on a Reported Stolen Vehicle
Depending on the firm, most of these reports are pre-made before they examine the vehicle with a pre-determined conclusion. The major differences are the insured information, the insurance company, the type of vehicle and condition.
Methodology depends on what they feel like examining that day. There is rarely standard replicatable Protocol.
On one vehicle, they will check for excessive wear in the ignition lock by inserting the key and putting the lock in the run position. The examiner will pull on the key and see if it can be removed in that position. In this case, a key is not needed to rotate the lock. Yet, in the the next exam, no such test.
Since many of these firms are to cheap to purchase key programmers that will tell the examiner as to how many keys are programmed for the vehicle. Some vehicles can have 8 keys programmed for them.
The key programmer will also let one know if the transponder is functioning correctly or if there is a problem.
The cheap way these guys use for a test is to block the signal from the chip in the key, by placing foil over the head of the key. If the engine does not start with foil on t he key, the transponder anti theft system in their minds appears to be functioning. They regard this as an important test that is used for them in developing their conclusion.
Hmm… I wonder where they learned that? These were the parameters set by Ford in the Greines v Ford case in Los Angeles. My case! Its on the web.
If this test is so important and they can’t perform it on vehicles suffering from fire damage, then explain to me how a burned vehicle can have the same exact conclusion as an unburned vehicle? In other words, the didn’t or couldn’t perform the ignition wear test, or check the transponder system with foil, yet burned or not, they have the same exact conclusion.
Years ago these same firms removed the ignition lock, disassembled the lock and examined the components under a microscope and took microscopic photos. No longer. Why bother? The jury doesn’t know the difference anyway.
Now, the ignition lock is almost never removed, no photos taken of the internal components of the lock, and we are supposed to take their word on what they purportedly observed inside the ignition lock.
See, they have gotten away with this non-sense because the jury was only looking at one exhibit for that specific vehicle, the report.
Interestingly, I have a better idea. What if the jury could see 5 or 10 reports from the same firm to compare to the report in question? I believe this would be devastating to the expert!
Trust me, you have not seen anything yet when conjecture is used as fact and I will be supplying that shortly.