Sponsored by Polonious Case Management Solutions.
 

This investigation was in regards to a stolen 2012 BMW 335i sedan, which was reported to have been stolen without the use of the insured parties keys.  The vehicle was insured for agreed value of $92,000 and had not been recovered.

Mathew’s investigation was able to discover sufficient information to suggest that the claim was fabricated for the purpose of making an insurance claim.  Through the forensic examination of the vehicle keys it was discovered that:

• The keys were correctly coded to the Insured vehicle VIN
• Keys to this model of vehicle could not be cloned
• One key fob showed signs of regular wear, and the other did not,  consistent with the Insured’s evidence.
• The key fob showing signs of regular wear had been last used in the car at 11.51am.
• The key fob showing sign of little or no usage was the key that had last been used in the car at 12.05pm, i.e. 14 minutes after the main use key used by the Insured. It was driven on a 5km journey with the ‘spare key’.

Various previous insurance claims were discovered that had not been previously mentioned.

Based on the information obtained during the investigation the insurer denied the claim. On the insured being advised that the claim was declined the insured asked for the return of the keys, which were returned.  Shortly after the keys were returned the vehicle was located parked on a quiet residential street.

(L-R) Mathew McKee with Andrew Simpson (Polonious)