Reported loss
Physical damage involving a tractor and non-owned refrigerated trailer plus towing charges, subject to combined stated limits of $150,000.
CSI investigative approach
- Reviewed physical-loss evidence, claim statements, towing documentation and accident records.
- Obtained an interview addressing material inconsistencies.
- Prepared findings for carrier review and referral.
Key findings
Investigative discrepancies raised material concerns about the reported crash and documents supporting the loss.
Disposition
The insured verbally withdrew the claim; the carrier denied coverage. A five-count felony criminal complaint was filed in San Bernardino County in January 2026, and two defendants were taken into custody. A complaint is an allegation, not a finding of guilt.
Confidentiality and scope: This is an anonymized summary of an investigation. It does not reproduce the confidential SIU report, identify the insured, or make any finding of criminal guilt. The amount shown represents the stated claim or policy-limit exposure associated with the case, not necessarily an insurer’s net savings.
← Back to all case studies