Had a similar thing happen with my old Mustang—insurance flagged me for stopping at the grocery store on the way home from a cruise night. I get why they’re strict, but it honestly felt a bit over the top. Guess it really depends who you get as your adjuster...
Guess it really depends who you get as your adjuster...
That’s the kicker, isn’t it? I’ve seen folks get flagged for stuff like that, while others don’t even get a second glance. It really can come down to the adjuster’s interpretation of “pleasure use” or “limited mileage.” I once had a client who stopped for gas after a car show and got questioned about whether that counted as an “errand.” Sometimes the lines are just blurry. Don’t let it get you too down—most of us in the industry know life isn’t always black and white.
Yeah, that’s pretty much my experience too. I’ve always tried to keep receipts or a log just in case, but honestly, it feels like a roll of the dice. One adjuster might shrug, another might nitpick every detail. I just try to stick to the basics—if it’s not an obvious errand, I don’t stress too much. But yeah, those gray areas are a pain.
One adjuster might shrug, another might nitpick every detail.
That’s what gets me—there’s no real consistency. I’ve heard some people say they never get asked for proof, but then my cousin had to dig up gas receipts from months ago. I keep a log on my phone, but sometimes I forget. Is there an actual rule in SD about what counts as “proof,” or is it just up to whoever you get? The gray areas make me nervous, honestly.
Honestly, it’s a mixed bag. There isn’t one hard-and-fast rule in SD about what’s “proof”—it’s more about what your policy says and how the adjuster interprets it. I always tell folks to keep anything that backs up their claim: logs, receipts, photos, whatever you can. Even if you forget sometimes, having something is better than nothing. Adjusters do have some leeway, but clear documentation usually makes things smoother.
