Mileage Verification Issue
A few years after purchasing my bike new with 0 miles, it was stolen. When I filed my insurance claim, I informed them that it had around 20,000 miles.
The appraisal team requested service records, but since I performed all maintenance myself and focused on regular upkeep rather than mileage-based servicing, I didn’t have any documentation to provide.
As a result, they decided to estimate the mileage at 10,000, despite my insistence that it was higher. Now, they want me to sign a document stating that the mileage is accurate to the best of my knowledge, which is not correct since I have consistently indicated that the bike has more than 10,000 miles.
What department should I reach out to in order to resolve this issue? Or since I have clarified the mileage multiple times, am I in the clear?
It sounds like you’re facing a frustrating situation with your insurance claim. To resolve this issue, you should take the following steps:
Contact Your Claims Adjuster: The first step is to reach out directly to the claims adjuster who has been handling your case. Explain your concerns regarding the discrepancy in mileage and express that you provided higher mileage repeatedly.
Request Documentation: Ask for any documentation that outlines the mileage assumptions made by the appraisal team. This can help you clarify where the estimated mileage came from and reinforce your claim regarding the actual mileage.
Escalate to a Supervisor: If you’re not getting the resolution you need, ask to speak with a supervisor or manager in the claims department. They may have more authority to review your case and make necessary adjustments.
Customer Service or Complaints Department: If the issue still isn’t resolved, consider reaching out to the customer service or complaints department of your insurance company. They often handle escalated issues and can provide additional support.
Document Everything: Keep records of all communications, including dates, times, and the names of the representatives you speak with. This documentation will be helpful if you need to take further action.
Legal Advice: If the situation remains unresolved and you believe your claim is valid, you might want to seek legal advice. A lawyer with experience in insurance claims can help you understand your options.
Given that you have consistently communicated the actual mileage, you do have grounds to push back on the paperwork they’re asking you to sign. Make sure you advocate for your accurate mileage to ensure you receive a fair payout.