I used to think insurers didn't really care about mileage either, until I got randomly asked to prove mine a couple years back. Had been reporting pretty low mileage (working from home mostly), but my driving record wasn't exactly spotless, so I guess they got suspicious. Luckily, I had just gotten an oil change and kept the receipt with mileage noted—saved me some hassle. Ever since then, I've been snapping odometer pics occasionally... just in case.
Honestly, I used to think mileage was just a minor detail insurers tossed in to justify their rates. But your experience matches up with what I've heard from others lately—seems they're getting a bit more diligent about verifying claims.
For anyone else thinking of reporting low mileage, here's a quick tip to cover your bases:
1. Snap a clear photo of your odometer every few months—just takes a second.
2. Keep maintenance receipts handy (oil changes, tire rotations, etc.) since they always note mileage.
3. If you have a smartphone, just make a folder called "Insurance Proof" and dump all these pics and receipts there. Easy to find later if you ever need them.
I haven't been asked yet myself, but your story makes me think it's probably just a matter of time. Better safe than sorry, right? I mean, who wants to scramble digging through glove compartments and junk drawers at the last minute...
Mileage definitely isn't just fluff anymore. Had a friend who got audited recently—insurer asked for proof going back months. Your tip about snapping odometer pics is spot-on, wish he'd done that... would've saved him a headache.
Mileage tracking is definitely becoming a bigger deal lately. I've always been cautious about stuff like this—maybe overly cautious, according to my family—but honestly, better safe than sorry. I started snapping odometer pics monthly after hearing a similar horror story from a coworker. He got hit with a surprise audit too, and it was a nightmare trying to piece together mileage from random receipts and oil change records.
But here's something I've been wondering about: does anyone know if insurers accept mileage tracking apps as proof? I've seen a few advertised, and they seem convenient, but I'm skeptical about privacy and accuracy. I'd rather stick to my trusty photos, but maybe I'm just being paranoid...
"I'd rather stick to my trusty photos, but maybe I'm just being paranoid..."
Nah, you're not paranoid—just smart. I've seen plenty of mileage app screenshots cross my desk, and honestly, they're usually fine... until they're not. Had one guy whose app glitched and logged him driving 800 miles in 20 minutes. Unless he was secretly piloting a fighter jet, something didn't add up. Your odometer pics might feel old-school, but trust me, they're gold when things get messy. Keep snapping those photos; your future self will thank you.
