Here is my situation. My car was stolen from my apartment complex around the last weekend in August 2008. They recovered my vehicle and considered a total loss, it was declared a loss on Sept 22, 2008, apparently it was crashed and my personal belongings were long gone. I have Allstate, which by the way they have caused me a huge amount of emotional distress, terrible customer service!! They gave me a quote for the payoff of my car, that was ok with me, then they sent it into investigation, fine I cooperated! Now...I recieved a letter from Allstate's attorney about coming into their office for an oath statement. My insurance investigator who was Tim Sweeney in Bothell...............said there are a lot of red flags so they are moving forward! I don't understand what is going on, more so I don't know what to do. Do owe more on my car than what it's worth (most people do) so I have GAP insurance. I have 90 days until they will no longer cover me and then I will be responsible for the difference! I really need some help and guidance on what to do. I don't even have so much as a speeding ticket on my record...so i'm lost...I'm thinking a lawyer is probably a good idea...can anyone refer me to someone who could get this handled ASAP! Thanks for reading and any info you give me is much appreciated!