Legal Question in Insurance Law in Illinois

We were robbed, insurance is asking for items

I have never been robbed before so I am not sure if this is even legal. We were robbed in November of 2008 and filed a claim with our insurance. We just received a letter from a company that they hired to investigate our claim stating that they need all kinds of information from us and we need to know if we have to give it to them. The items we do not feel are relevant to our claim are:

our federal income tax statements from 2006, 2007 and 2008 along with ''all payroll check stubs or other documents showing income or money to you for the years 2006,2007 and 2008 including W-2 forms''

Documents showing the complaint in the lawsuit we are in with our previous landlord.

All bank statements from December 2007 til present.

All documents that show any money we owe (student loans, lease agreements etc)

We do not understand what our income taxes from prior to the robbery have to do with this and why we need to provide it, and we do not understand what our lawsuit with our previous landlord has to do with this either.

Do we have to provide these items to them even though they have nothing to do with the robbery?

They are treating us like criminals and we do not understand why. Any information is helpful.


Asked on 2/11/09, 6:22 pm

2 Answers from Attorneys
Timothy Lowery Lowery & Associates, LLC

Re: We were robbed, insurance is asking for items

Your insurance company wants to see if you have any motive to fake a robbery. Frequently, insurance companies look at your financial records to try to make it look like you were so desparate for money that you faked a robbery. Your claim will probably be denied if the insurance company thinks you did this. Legal counsel is very important during every stage of your claim process.

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Answered on 2/11/09, 8:48 pm
Scott A. Blumenshine Blumenshine Law Group

Re: We were robbed, insurance is asking for items

You are being set up for a denial

of your claim.

Your insurer has made a predetermination

that they are going to deny the claim

and are putting you through the ringer

by casting doubt upon your claim and making you prove you did not submit a fraudulent claim.

You should probably talk with experienced insurance counsel at your

earliest convenience.

Please do not hesitate to contact

me for a free consultation.

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Answered on 2/12/09, 9:42 am


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