No. 2: “Smile for the camera”
The registered owner of a vehicle opened a physical damage and theft claim after her pick-up truck was found badly damaged in an apartment parking lot.
The woman’s husband, who was the co-owner of the truck, admitted to an MPI adjuster that he was last to drive the truck, taking it to a friend’s house. He admitted to consuming “several” beers and then walking to a near-by bar where he and friends continued to consume alcohol. Upon returning to his friend’s house, the husband said he decided to leave his truck parked and walk home.
The husband speculated that someone must have stolen his key fob from his jacket while he was partying at the bar.
An investigation was launched due to several irregularities around the husband’s story. An MPI investigator was able to locate a surveillance camera located across the street from the crash scene. Surveillance footage clearly showed the truck being driven erratically into the well-lit parking lot, hitting a number of vehicles. Footage also showed the driver exiting the smashed vehicle, locking it and then staggering away.
After watching the surveillance footage, the husband withdrew the claim and agreed to pay the damages for the other vehicles, resulting in a claims saving of more than $15,000 to MPI ratepayers.
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