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Question
I have loss some reciepts for my modifications, some of the mods were baught at shows or swap meets for cash. So I do not have all the recipts. I also have an addtional custom policy for 15k on top of my full coverage. so all the modifications could be done to my vehicle. What do I do?
Hello,
Since I do not know how your policy pertains to your situation specifically. I am not the one to be asking about these issues.
I would like you to go to where you can get specific answers as to how they will affect your claim.
The best person for this is your agent. They put together a policy that would cover the vehicle and $15K of mods.
They can tell you if receipts will be an issue. They can also speak with underwriting and the claims people as it relates to your claim.
I do not want to answer something like this without every little detail and this way, you know exactly how the claim will be handled.
Good Luck!
http://www.autotheftexpert.com
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Answers by Expert:
Rob Painter, Ase, CFEI, CAFATE
Expertise
Please remember. I am not an attorney and cannot legal advice. My answers are based on my experience due to litigation I have been involved in as an expert, for both insurance companies and while oposing them opposing them. I deal with only comprehensive claims on autos related to fire and theft. I have even had the opportunity to rewrite policy coverage language as it relates to vehicle theft and forced entry for insurance defense attorneys.
Experience
Experience in the area: Working with insurance companies and attorneys on these issues for over 20 years. It is very common to have a reported stolen car with a so-called factory anti-theft system to have the theft claim denied. I have served successfully as an expert witness in the courts across the US representing the insured and their attorney revealing that the insurance expert did not take all known theories into consideration before rendering their "Forensic" conclusion. Many insurance carriers us independent "Forensic" experts to examine reported stolen vehicles commonly using flawed methodology implicating the innocent insured with the theft. My job is to determine if the insurance expert reached his conclusions based on accepted scientific principals or just net opinion with no basis other than opinion. My case record against such experts is very compelling.My resume can be seen at the catagory "Auto Theft and Prevention." In "Forensics" the scientific method must be employed. In the forensic locksmith field determining how a reported stolen vehicle was last operated, many processes cannot be duplicated and are conveniently not addressed. If they were, juries would have the opportunity to make a fair and impartial opinion at least about what the expert could or could not prove. There is a purported process determining the last key used. The chances of determining such is very rare uless the key is found in the ignition lock. Experts commonly destroy evidence as well and are rarely questioned on this event. I reveal the weakness in their testimony on such instances.
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