- Yeah, it’s frustrating how strict they are with documentation.
- Had a buddy lose out on a bunch of value because he didn’t keep receipts for some rare trim pieces—lesson learned the hard way.
- Agreed value is better than nothing, but even then, you’re still at the mercy of what the adjuster thinks is “reasonable.”
- It’s not always fair, but if you’ve got photos and paperwork, you’re in a much stronger spot.
- Don’t let it get you down too much... most of us have been there at least once.
Had a similar situation a couple years back—got rear-ended in a parking lot, and the other driver just vanished. My insurer wanted every bit of proof I could muster. Luckily, I’d kept a folder with photos and service records, but even then, they questioned the value of some aftermarket parts. It’s wild how much hinges on paperwork... I get why they’re strict, but it can feel like you’re jumping through hoops for stuff you know is legit. Definitely made me more meticulous about keeping records now.
It’s wild how much hinges on paperwork... I get why they’re strict, but it can feel like you’re jumping through hoops for stuff you know is legit.
Totally get this. I had a ‘72 Chevelle with a bunch of custom work, and the insurance folks acted like my receipts were just “nice to have.” It’s frustrating when you know what’s on your car, but they want every scrap of proof. Now I keep a binder with photos, receipts, and even printouts from forums—just in case. It’s a pain, but it’s saved me more than once.
- Been there, done that. Had a run-in with a hit-and-run last year—guy just vanished, no plate, nothing.
- Uninsured motorist coverage kicked in, but man, the paperwork was a nightmare. They wanted every detail: photos, dashcam footage, even my GPS logs.
- I get why they’re strict, but it’s nuts how much you have to prove you’re not making stuff up. Like, who’s faking a busted fender and a ruined road trip?
- Learned the hard way: keep everything. Photos of your car before and after trips, receipts for any mods or repairs, even gas station receipts if you can swing it.
- Insurance adjuster actually questioned if my roof rack was “factory” or not. It’s a Yakima with giant stickers on it... not exactly subtle. Still had to dig up the Amazon order email.
- Not saying they’re wrong to check, but sometimes it feels like they’re just hoping you’ll give up and eat the cost yourself.
- At this point, I keep a folder in my glovebox with copies of everything—call me paranoid, but it’s saved me more than once.
- If you’ve got custom work or anything non-stock, double down on documentation. Otherwise they’ll nickel-and-dime you for every little thing.
- Honestly, half the time I think they make it complicated on purpose... but maybe that’s just me being cynical after too many claims.
- Just bought my first policy and I’m already overwhelmed by the “keep all the things” advice. Like, am I supposed to start a scrapbook for my car?
- Didn’t realize a Yakima rack could be so controversial… next thing you know, they’ll want a selfie with me and my muffler.
- I get the whole “prove it” thing, but dang, I barely remember where I parked half the time, let alone keeping gas receipts.
- Guess I’ll start a glovebox folder too. If nothing else, at least I’ll look organized if disaster strikes.
- Kinda wild how much homework comes with just trying to be responsible.
