Auto Insurance Claims/Claim Reporting

Advertisement

Expert: - 10/28/2010


Question
I have loss some receipts for my modifications, some of the mods were bought at shows or swap meets for cash. So I do not have all the receipts. I also have an additional custom policy for 15k on top of my full coverage. so all the modifications could be done to my vehicle. What do I do?

Answer
Mike,
Unless your policy or endorsement says you have to maintain receipts, then your only duty is to cooperate by giving them what you have. So if you did not save the receipts, then they cannot deny your claim for the items. They cannot force you to recreate receipts. They can hire their own investigator or adjuster to try to go back and get receipts from stores, etc

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

©2012 About.com, a part of The New York Times Company. All rights reserved.