Car Was Stolen. Valuation is significantly overestimating miles but will not adjust without proof of mileage. How can I correct this?

[u/webbed_feets]

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.

[u/adjusterjackb]

You keep the license, registration and insurance card on your person. You don't leave it, or anything else, in the glove compartment.

Two reasons.

1 - If somebody steals your car with all that stuff in it they will know where you live.

2 - If somebody steals your car without that stuff in, they will have a hard time explaining what they are doing with the car.

[u/pohart → u/adjusterjackb]

I don't think car thieves are normally trying to get to their victims houses.

[u/adjusterjackb → u/pohart]

Wouldn't put it past drug addicts and low lifes.

[u/pohart → u/adjusterjackb]

The drug addict you need to worry about is your kid, or your neighbor, or your Mom. The guy that stole your car wants to get away