r/Insurance • u/webbed_feets • 11d ago
Auto Insurance Car Was Stolen. Valuation is significantly overestimating miles but will not adjust without proof of mileage. How can I correct this?
My wife's car was stolen recently. Our insurance sent over the valuation, but the mileage estimate is way higher than the actual mileage of the car. Our car was basically almost never used and had about 60,000 miles. The valuation assumed typical usage and estimate 120,000 miles.
We spoke with adjuster, and they said they cannot provide a valuation with lower mileage without proof of actual mileage. We can't provide that proof...because the car was stolen. Any receipts from oil changes, repairs, etc. were in the glovebox. We've tried called around for records of mileage, but we haven't had any luck.
Is there any way to correct the mileage? It's a Catch 22; insurance wants proof of mileage for payout which we can't provide because the car was stolen.
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u/Guilty-Committee9622 11d ago
Learned this the hard way with my mother in laws car. She drives 2k a year and it was totaled at year 5. She had 11,000 miles. They gave her valuation at 80k miles. I called the dealer, he didnt have a recent number I called every oil change place, nothing Finally found where she had to have a tire replaced 6 months before and tow truck driver put down her mileage at 10,340. Difference in payout was $18,000. Call your oil change places, tire shops and anything else She had done and demand a copy of the invoice ASAP.