The repair shops used are not actually equipped to make repairs listed on the estimate. Claimant vehicles are not readily available for appraisal. There is no lienholder listed for an expensive, late model vehicle. Vehicle to be driven or shipped out of state for repair. The owner wants to retain salvage of vehicle.
Vehicle is repaired before the loss is reported.
Accident occurred shortly after one or more of the vehicles were purchased or registered. The insured has a history of accidents within a short period of time on one policy. Even where the damaged vehicle was purchased before inception of policy and date of loss, the insured has no record of prior insurance coverage. Letter from attorney is dated the day of the accident or shortly thereafter.