I had a truck i leased through ford credit. The vehicle was stolen a month before the lease was up. I made the last payment and notified my insurance company. My insurance company dragged paying out saying they were investigating.

I never heard anything for months. Then 8 months after the truck was stolen i got a bill from ford for $4800 for damages and mileage. I called ford and they said the truck was recovered. I asked to see it and they already sold it at action. They had no pictures of the damages or odometer. Just the paperwork they filled out. My insurance company wouldnt pay. They didnt see the truck either and said the damages sound like normal wear and tear under the lease.

now Ford just served me. Am i wrong in not paying this? Shouldn't they have notified me that it was recovered or took pictures of said damage? This is killing me now because every car dealer thinks its a repo on my credit

Is there a police report involved? Did you follow up with the insurance company about the investigation? Why did they reject the claim? Was it because there was no sign of a forced entry?

would you like this moved to credit forum to get more views?

I was under the impression that all FMCC leases automatically had GAP Insurance included in the fine print, in which case, you would have only been responsible for any overages in mileages (if any) from the time the police report was tendered.

Just my thoughts, I'll be happy to move the thread wherever you instruct me to.

How would anyone know how far the thief drove it though? Unless there is some proof that it was over miles before the theft, they shouldn't be charging you for miles.

The root of the problem here seems to be that your insurance company wants to passively accuse you of trying to defraud them by faking a theft. So they refuse to pay.

+1

Sounds like OP may need to get an attorney involved to go after his own insurance company. What doesn't make sense though is why did the police send the vehicle directly to Ford and not to the insurance company or to you? Something doesn't smell right.

I would think that the police report given regarding the theft would/should have the lessee's statement regarding the mileage of the vehicle.

Upon recovery,the police department more than likely have some sort of statement or condition report wherein the mileage at recovery is recorded.

Or so I believe is how it happens.

When I worked for a ford dealer that was one of the bragging points for the Red Carpet Least. GAP insurance was included in the payment. No extra charge.

I have hired an attorney now.

The reason the police sent the vehicle to ford was when it was recovered my lease was over so i had no claim to it. also the insurance company didn't pay out on the claim yet so ford legally owned the vehicle.

yes if you want to move it to a better section that would be great.

You decide please which section you wish it moved to and I'll do so?