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Someone smashed my parked car—deal with insurance or call the cops?

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jakeknitter
Posts: 14
(@jakeknitter)
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I get the temptation to just toss everything in the glove box and call it a day, but honestly, I think it’s worth being a bit more organized—especially if you ever have to deal with insurance or sell the car. Digital records are usually fine these days, at least with most reputable shops. I’ve had State Farm and Progressive both accept emailed PDFs or even screenshots from my phone. The only time I ran into trouble was with a tiny local mechanic who still handwrites everything on those old carbon copy pads.

Scanning receipts isn’t as much of a hassle as it sounds, especially with apps like CamScanner or even just snapping a pic. Paper fades, gets lost, or, yeah, ends up as dog food. If you ever need to prove maintenance for a claim or resale, having a folder on your phone or cloud is just way less stressful than digging through crumpled papers. Maybe I’m overthinking it, but I’d rather spend five minutes now than hours later trying to piece together a paper trail.


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Posts: 16
(@sjoker27)
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Yeah, I hear you on the digital records. I used to keep every oil change slip in a shoebox, but when I sold my old ‘85 Caprice, half of them were unreadable or stuck together. Now I just snap pics and toss the paper. Makes life way easier, especially when insurance wants proof.


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Posts: 8
(@music_scott)
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Now I just snap pics and toss the paper. Makes life way easier, especially when insurance wants proof.

Honestly, I used to think digital records were just another thing to go wrong—like, what if my phone dies or I lose the pics? But after dealing with a claim last year, I get it. Insurance folks barely look at paper anymore. Still, I keep a backup on my email just in case. Old habits die hard, but you’re right, it’s way less hassle than digging through a shoebox full of greasy receipts.


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Posts: 17
(@barbara_runner)
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- Totally get where you’re coming from—digital seems risky, but honestly, paper gets lost or fades way easier in my experience.
- I use Google Drive for backups, just in case my phone decides to die at the worst possible moment. Hard to break the habit of double-saving though.
- One thing I learned the hard way: make sure your pics are clear and show the whole doc. Insurance once pushed back because a receipt was too blurry... annoying.
- Not sure if anyone else does this, but I’ll snap a quick pic of damage right after it happens too, not just receipts. Helps if you need to show “before” and “after.”


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productivity640
Posts: 18
(@productivity640)
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Not sure if anyone else does this, but I’ll snap a quick pic of damage right after it happens too, not just receipts. Helps if you need to show “before” and “after.”

Yeah, that’s huge. I learned the hard way when my old Civic got sideswiped—didn’t take pics until the next day and insurance grilled me about whether it was “fresh” damage. Now I photograph everything, even the parking spot and surroundings. Also, I keep a running note in my phone with dates/times for stuff like this. It’s a little overkill maybe, but it saved me once when they tried to say the timestamp didn’t match up. Digital backups are clutch, but I still toss paper in the glovebox just in case tech fails at the worst moment... which it always seems to do when you need it most.


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