It's one thing to deny the claim and then see if the claimant will just go away to avoid the hassle.... It's a whole other thing when they have their fraud division call up and say that you are a liar and possibly committing a criminal act (ie; just call me a criminal) and then say the reason you are denying the claim is because I am a lying about how the damage occurred. That goes well beyond just denying a claim. EDITED: They didn't actually say the words Liar or criminal...they just said that I opened the box... played the guitar ..dropped it....damaged it...and filed a claim saying it arrived that way...then denied the claim because I was the one that damaged the guitar.... If thats what happened...and filing a false claim is a crime and would make me a liar....then u figure out what exactly they are saying about me without actually saying it.