Has anyone actually had their mileage checked during a claim? That’s the part that keeps me up at night…
I’ve never had them check during a claim, but I get nervous about it too. I’m the type who double-checks everything. I use an app to log fill-ups and odometer readings—just feels safer than guessing later. I’d rather be a little paranoid than risk a denied claim.
I get where you're coming from—I've always been a bit anxious about the mileage cap too. A few years ago, I had a minor fender bender in my '89 911 and the adjuster didn't even glance at the odometer. Still, I keep a notebook in the glovebox just in case. Maybe it's overkill, but with these policies, it feels like you never really know when they'll want proof. Better safe than sorry, right?
Maybe it's overkill, but with these policies, it feels like you never really know when they'll want proof. Better safe than sorry, right?
I totally get the “better safe than sorry” approach. I’ve heard stories where insurers do ask for mileage logs, especially if there’s a big claim or if the car gets totaled. That said, I’ve also had claims where nobody cared about the odometer at all. It’s a bit of a gamble—some companies are stricter than others. Keeping a notebook isn’t overkill in my book, especially since some policies can get voided if you go over the cap and can’t prove otherwise. The peace of mind is worth it, even if it feels a bit old-school.
Keeping a notebook isn’t overkill in my book, especially since some policies can get voided if you go over the cap and can’t prove otherwise.
- Totally agree on the peace of mind part. I keep a quick log in my phone just in case—takes two seconds after a drive.
- Some insurers do random checks, especially if you’re close to the mileage limit. Not super common, but it happens.
- I’ve heard of people getting burned because they didn’t have proof, even though they were under the cap. That would be so frustrating.
Curious—has anyone actually had their claim denied for going over the mileage, or is it mostly just a threat?
Never had a claim denied myself, but I did get a warning letter once when I was close to the cap. They asked for odometer photos and a log, which luckily I had. From what I’ve seen, it’s not just a threat—if you can’t prove your mileage, they can get strict. I’d say keeping some kind of record is just smart, even if it feels a bit much. It’s way less hassle than arguing with an adjuster later.