What should I do when my insurance company steals my vehicle?
The closest matching vehicle was $18999. The black book value report I ran was $19453. There offer was $15000. They shared an accessment. Basically my truck is a unicorn. Almost only in Canada is selling a 2010 with such low milage. So there compared different vehicles apply an adjustment and take the average. The closest match they had on the list had 4 time the milage, and was adjusted by $40 before including in the average.
I hired my own adjuster but they use the same formula. So I agreed to accept the offer provided I could swap out my new tires and battery.
In any case the agreement I had is I would release the vehicle today, so they could pick it up on Friday.
My wife searched frantically for cheap rims, so we could swap the tires while waiting for the insurance check...
We arrived today with the tires and battery to swap, the ownership and key to put in the glovebox. Our truck was gone. Apparently the insurance company took the vehicle complete with my license plate without my release.
As far as I am concerned this is grand theft auto. But I do not know if I should report it to the police.
Our claim adjuster is still trying see what she can do. She agreed the truck should be returned so we can swap things out, but the insurance company seems to be looking for someone to blame and pay for it.
So should I report to the Police Pen Bridge (Allstate) stolid my vehicle? I still have ownership, keys, and written confirmation they had no authority to take it. The check for the claim has not arrived by mail.
Or should I be patient and wait for them to make arrangements?