Insurers deny claims based on questionable cell tower data

Published on Thursday, 30 March 2017 00:46
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By DAVE COLLINS

Associated Press

HARTFORD, Conn. - It took Jaclyn Bentley nearly three years to prove she didn’t burn her house down for the insurance money, allegations she and her lawyer say were born of the junk practice of analyzing cellphone tower data.

She was camping with her husband and co-workers at least 17 miles from her Iowa home in May 2014, she says, when it burned down. An investigator for State Farm Fire and Casualty Co. said cell tower data showed Bentley’s phone was 5 to 12 miles from the campsite in the direction of her home just after the fire was reported - the suggestion being she could have been heading back to camp after starting the blaze.

Her claim was denied, and she was arrested on arson and insurance fraud charges. But she was acquitted after questioning State Farm’s analysis of the tower data, and she has a lawsuit pending against the company for failing to pay her claim.

Despite acquittals like Bentley’s and expert testimony that cellphone tower data should not be used to pinpoint people’s locations, insurance companies continue to use the information to deny claims by casting doubt that customers were where they said they were. The problem, experts say, is that a cellphone can be up to 20 miles away when it “pings,” or connects with, a tower.

“I’ve gone through ... hell,” said Bentley, 37, of Clinton, Iowa, who cares for people with brain injuries and mental illness. “It’s ridiculous what happened. You’re innocent until proven guilty. I’ve never felt like I was treated like I was innocent. As far as the insurance company was concerned, I was guilty.”

Michael Cherry has testified in successful cases to free people who were imprisoned based in part on cell tower evidence. Among the early design team members of the Apollo 11 moon trip, Cherry is now chief executive of Cherry Biometrics, a computer and cellphone data analysis firm in Falls Church, Virginia.

Phones can be miles away when they ping towers, Cherry said, because calls are not simply routed to the nearest cell tower or the cell tower with the strongest signal. Rather, a number of factors decide which tower handles the call, including which has the clearest signal and is the most cost-effective, he said.

“They’re misinterpreting it, and it’s not very reliable to begin with,” said Cherry, who played no role in Bentley’s case.

Bentley, who spent three days in jail - including her birthday - after being arrested, said the insurance company claimed cellphones can be only up to 3 or 4 miles away when they ping towers. But she was able to disprove that claim with her cellphone records.

Hours after the fire was out and she had returned to the campground, she checked her voicemail and her phone pinged a tower near the campground. A few minutes later, her mother called her, and her phone pinged a tower back in Clinton, 17 miles away. Minutes later, her husband called her, and her phone pinged a tower about 20 miles away, she said.



Posted in New Britain Herald, State on Thursday, 30 March 2017 00:46. Updated: Thursday, 30 March 2017 00:49.