Reported loss
A commercial tractor damage claim with a $65,000 stated policy-limit exposure.
CSI investigative approach
- Inspected both vehicles and compared damage alignment and paint transfer.
- Reviewed prior accident history and the insured’s claimed repair history.
- Checked the reported accident location and the availability of police or 911 records.
Key findings
The trucks were both white, but green paint appeared on the insured truck; the physical evidence did not establish contact between them. A hammer was found inside one truck, and some damage appeared consistent with blunt-force impact, although use of that particular hammer was not established.
Disposition
The claim was denied. The $65,000 amount represents policy-limit exposure rather than a confirmed payment amount.
Confidentiality and scope: This is an anonymized summary of an investigation. It does not reproduce the confidential SIU report, identify the insured, or make any finding of criminal guilt. The amount shown represents the stated claim or policy-limit exposure associated with the case, not necessarily an insurer’s net savings.
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