A6 Was Stolen

[mtbiker9000]

Hi my name is Tom and I am new to this forum and many others like it. My a6 was stolen last october and then subsequently recovered a month later in really bad shape. Long story short my insurance company totalled the car but denied my claim. This has been going on for 8 months now. I was just recently denied and have since gotten a lawyer. My lawyer amongst many things has told me to do some research as to how a 2001 audi a6 2.7t could be stolen without a key. I lost a key at my marina many months prior but the insurance company denied my claim stating that there was no signs of forced entry and or damage to the steering column and they don't buy the fact that my key was lost, or even believe if someone had gotten ahold of it they would have stolen my car. I'm going from forum to forum asking experienced individuals like yourself to give me a heads up as to if and how my car could have been stolen if the thief didn't have the key without leaving any damage behind. I would appreciate any help you guys can give me. If you don't feel comfortable posting here as to how to steal a car, essentially the info I am looking for, then please call me at 978-979-5995, my name is Thomas Gagnon and I live in beverly ma. I swear there is no scam here, just at my ropes end as too what to do. If you don’t want to post and don’t feel comfortable calling you can email me at Gagnon.tom@gmail.com.

Thanks everyone

[halfasheep]

Hi there - I work as an insurance claims fraud investigator (in the UK), and this is a scenario we see all too often.

We use independent engineer's to inspect all stolen and recovered vehicles in order to ascertain if there is theft related damage to a vehicle.

As a general rule, if there is no evidence of forced entry to a vehicle (ie no smashed glass, or forced locks), and the steering wheel lock is still intact, then the car can only have been driven with a key.

The main dealers have very tight restrictions in the UK as to who can obtain a key for vehicles, and in the case of Audi's, the key would only be able to be ordered via a dealership - this tends to rule out a teenager stealing your car using a brick and a screwdriver.

I'll be honest with you and say that the way in which your car has been stolen and recovered would fit the profile of someone who has crashed their car whilst driving under the influence of drink or ****s (no accusation here), but I do also appreciate that cars CAN be stolen without the use of a key (although I don't know how - the police often admit to this as well) .

The issue you will have is that an automotive engineer will state that the car could only have been taken with a key, and Audi are hardly likely to say that the car can be taken without a key either, so the insurance company has substantial evidence to reject your claim.

One very plausible scenario is that someone has taken your car away on a lorry, and then has broken into it at their lesire, possibly swapping the locks, etc, and has then crashed it by accident.

I'm not sure how USA car insurance works, but we have to have reasonable evidence to reject a claim as our policyholder's can go to an arbitrator (Financial Ombudsman Service) who will evaluate the claim and make a final decision