Yeah, from what I've seen, it's usually not intentional—more like the left hand doesn't know what the right hand is doing. Policies can be dense, and reps often get limited training and have to interpret things on the fly. Best bet is always document who you spoke with, dates, times, etc. Saved my butt more than once when things got messy...insurance companies hate paper trails, but they're your best friend in these situations.
Yeah, documenting everything is key. Learned that lesson the hard way restoring my '67 Mustang—insurance tried to deny coverage on some damage, claiming it wasn't covered under my policy. Luckily, I had emails and notes from phone calls with names and dates. Took a bit of back-and-forth, but eventually they caved. Hang in there, sounds like you're doing all the right things already...
"Luckily, I had emails and notes from phone calls with names and dates."
- Had a similar issue when my parked car got sideswiped last year.
- Insurance initially denied, claiming it was "unclear" if damage was new.
- Thankfully, I'd snapped photos right after it happened—timestamps saved me.
- Makes me wonder how often insurers bank on people not documenting stuff...
Glad you had those notes handy—makes me wonder if I should start documenting every little thing too. Do you think insurers count on us being a bit lazy or forgetful about details...? Seems like it sometimes.
Documenting stuff definitely helps, especially with classic cars where insurers often underestimate values or repairs. I started keeping a little notebook in the glovebox—just jotting down dates, mileage, and quick notes whenever I do maintenance or notice something off. It’s saved my bacon a couple times when insurers tried to dispute repair costs. Makes me wonder though...do you guys think digital notes or photos would hold up better than handwritten logs if things got tricky with claims?
