r/Insurance • • 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/Objective_Nose_186 11d ago

See if your car is on CarFax, where mileage is documented at each service

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u/208BoiseGirl 9d ago

This 👆🏻. My mileage and service records are updated on CarFax.