I do wonder if these stories about claims being denied are more about scaring people into compliance than anything else.
That’s exactly what I’ve always suspected. I mean, I’ve been sweating over my odometer like it’s a ticking time bomb, but I’ve never actually met anyone who got the boot for going over. Closest I’ve come is a buddy who got a “naughty, naughty” letter and a higher bill. Maybe the real risk is just losing your discount, not your coverage? Still, I keep a logbook too—mostly so I can remember where I left my sunglasses...
I get where you’re coming from, but I’ve actually seen someone get their claim denied—granted, it was a pretty extreme case. Guy in my local club racked up double his agreed mileage, then tried to claim after a fender bender at a Cars & Coffee two states away. Insurance sniffed that out fast. I think as long as you’re in the ballpark, they’re lenient, but if you really push it, they’ll use it against you. I still keep my own notes, just in case.
Mileage caps always make me nervous, honestly. I get why the insurers do it, but it feels like a trap if you’re not super careful. I’ve heard stories like yours too—someone goes a bit overboard, and suddenly their “agreed value” means nothing because they’re technically in breach. I try to be upfront about my driving habits, but let’s be real, sometimes you just want to take the car out more than planned, especially when the weather’s nice or there’s a cool event a bit farther away.
I keep a log too, but I still worry that if something happened, they’d find some technicality. Maybe I’m just paranoid from having a few claims in the past (not all my fault, for the record). It’s a trade-off, I guess—lower premiums, but you have to play by their rules. If you’re the type to rack up miles on a whim, those caps can bite you. I’d rather pay a bit more for peace of mind, but I know that’s not everyone’s vibe...
Honestly, I feel you on this. Every time I hit a nice stretch of road, I’m like—is this the drive that tips me over the cap? And then I start doing mental math instead of enjoying the ride. It’s a bit wild that we have to log miles like we’re accountants just to protect ourselves. But hey, have you ever actually heard of anyone getting denied for being, like, 100 miles over? Sometimes I wonder if they really check that closely... or if it’s just to keep us in line. Still, peace of mind is worth a lot—especially when your “toy” is worth more than your daily driver.
It’s a bit wild that we have to log miles like we’re accountants just to protect ourselves.
Man, I laughed at this because it’s so true. I’ve definitely caught myself pulling over to snap a pic of the odometer before a weekend cruise, just in case. I’ve never heard of anyone getting denied for being a little over, but I always wonder if they’d really go digging through your mileage logs after a claim. Maybe it’s more about the “threat” than the actual enforcement? Still, I get nervous every time I’m tempted to take the long way home...
