I've handled claims similar to this before, and honestly, documentation really does make a difference. Had a client once who swore damage happened recently... turned out photos from months earlier showed otherwise. It's tricky—insurance isn't always out to deny, but clear proof definitely smooths things along.
That's a good point about documentation—I've seen similar situations myself. Still, I'm curious about cases where the damage isn't immediately obvious or documented easily, like internal water leaks or electrical issues. How do insurers typically handle claims when proof is less straightforward? Seems like there could be some grey areas there...
Yeah, that's a tricky one... insurers usually send out their own adjusters or specialists to investigate those hidden issues. From what I've seen, if the cause isn't clear-cut, they might push back initially. Definitely a grey area worth being cautious about.
Had a similar issue last year with my BMW. Here's what worked for me: First, request a detailed written explanation of why they denied your claim. Then, get your own independent inspection from a reputable mechanic or specialist—someone who knows luxury cars well. If their findings differ, submit that report to the insurer and formally dispute their decision. Keep everything documented and stay firm... insurers often reconsider once they see you're serious and thorough. Good luck dealing with them, it's definitely frustrating.
Went through something similar with my Audi a couple years back. The insurance initially denied my claim saying it was "wear and tear," which honestly made no sense given the circumstances. After I got an independent mechanic to check it out, turns out it was clearly accident-related damage. Sent the insurer the report, politely but firmly disputed their decision, and after some back-and-forth, they finally agreed to cover it. Hang in there... it's annoying but persistence usually pays off.
