Apparently, my “custom” floor mats were a sticking point?
That one made me laugh—floor mats, really? I get where you’re coming from, though. Agreed value should mean less hassle, but it can get weird with upgrades. Best tip I’ve got: keep receipts and photos of every mod, even the little stuff. It’s not perfect, but it helps cut down on the back-and-forth when things get nitpicky. Wyoming roads do seem to test everything, including patience...
Apparently, my “custom” floor mats were a sticking point?
Wait, they actually cared about floor mats? That’s wild. I’m new to this whole insurance thing and honestly, I thought they only nitpicked the big stuff. Is it really worth keeping every single receipt? I feel like I’d lose half of them in my glove box anyway. Maybe I’m naive, but shouldn’t “agreed value” mean they just, you know, agree? Or is that just wishful thinking on my part...
Honestly, it sounds ridiculous, but yeah, they’ll nitpick anything that isn’t stock. I know it’s a pain, but I keep every receipt—just in case. Insurance companies love technicalities. “Agreed value” should mean what it says, but when it comes time to pay out, they’ll look for any excuse to shave off a few bucks. I’d rather be over-prepared than get shortchanged later. Maybe stash receipts in an envelope in your glove box or snap pics on your phone? It’s a hassle, but it can save you headaches down the road.
Yeah, I’ve been hearing that a lot—save everything, document every tiny upgrade. I’m new to this and honestly didn’t realize how much paperwork can matter. Guess it’s better to be safe, even if it feels over the top. Thanks for the tip about snapping pics; that’s actually doable for me.
Honestly, I used to think all that paperwork was just busywork too—until I tried to file a claim after a hailstorm trashed my ‘69 Charger. Figured I’d be fine with just the basics, but the adjuster wanted proof of every little thing I’d done to the car. Didn’t matter that I had receipts for the big stuff like the paint job; they wanted to see proof of the carb swap, interior work, even the new weatherstripping. That’s when I realized just how picky they can get.
Ever notice how some companies act like you’re lying until you prove otherwise? With State Farm, at least in my neck of Wyoming, they grilled me on every upgrade. USAA was a bit less uptight about it when my buddy dealt with them, but they still wanted documentation. Maybe it’s just a Wyoming thing—insurance folks here seem extra suspicious about classic cars.
You snapping pics is actually smart. I started doing that after my mess with the Charger. Just quick phone shots whenever I change something out or add a part. Doesn’t have to be fancy, but it’s saved me more than once. That said, sometimes it feels like overkill... but then again, if you ever have to fight for a payout, you’ll wish you had even more proof.
Ever run into those adjusters who act like your car’s just an old beater unless you show them otherwise? Drives me nuts. You’d think after all these years they’d know not every classic is a rust bucket held together by hope and duct tape.
Anyway, yeah—document everything, even if it seems ridiculous. It’s annoying at first, but you’ll thank yourself later if something goes sideways.
