I’m probably more paranoid than most, but I keep both digital and paper copies for anything over like $100. Had a buddy who lost out on a claim because he couldn’t produce the original receipt for a carb rebuild—insurance said scans weren’t enough in his case. Maybe just bad luck, but ever since then I’ve got a little accordion folder in the glovebox just for receipts.
It’s a pain, honestly, but I’d rather deal with the clutter than risk getting stuck if something happens. Some insurers seem fine with digital, but you never know when you’ll run into someone who insists on originals. I get that it’s probably overkill, but with older cars, it feels like you have to be extra careful.
Funny thing is, I’ve never actually needed the paper ones yet. Still, I’d rather have them and not need them than the other way around. Guess it’s just my way of playing it safe... especially when saving a few bucks on insurance means they might look for any reason to deny a claim.
Never thought about keeping both, honestly. I just snap pics on my phone and toss the originals, but now you’ve got me second guessing that. Out of curiosity, has anyone actually had an insurer accept a scan without any hassle? Or is it just luck of the draw?
I just snap pics on my phone and toss the originals, but now you’ve got me second guessing that.
I used to do the same—just quick phone pics and into the recycling bin. But last year, my insurer wanted “original documents” for a claim on my ‘72 Datsun. Ended up digging through boxes for hours. Since then, I scan everything and keep the paper copies in a cheap accordion folder. Not every company cares, but when they do, it’s a pain if you don’t have the originals. If you’ve got the space, it’s worth hanging onto them, at least for the big stuff.
Keeping originals has saved me more than once, especially when it comes to classic cars. Some underwriters get picky about provenance or old repair receipts. Digital copies are handy, but there’s just no substitute for that faded, grease-stained paper when someone wants proof. It’s a hassle, but worth it.
Can’t argue with the value of originals, especially for older vehicles where documentation can get spotty. That said, I’ve seen some insurers accept high-res scans if the paperwork’s legible and you can show chain of custody, but it really depends on the underwriter’s mood that day. Originals just tend to make things smoother, even if they’re a pain to store. Funny how a smudged old invoice can be worth more than a fancy PDF sometimes...