Need Help with Car Accessories
Hi everyone,
I have a bit of a long tale to share, but I could really use some advice.
I recently lost my truck to a fire. It had high mileage and was 13 years old, so the insurance company labeled it a total loss. During the negotiations for the payout, I mentioned the aftermarket accessories I had added. The adjuster dismissed them as “creature comforts” and said they weren’t covered, advising me to remove what I could and sell it. I managed to take off some parts, but I couldn’t replace a few accessories like the wheels, mirrors, lights, and intake.
While dealing with the insurance company, I used some savings to buy another truck. When I spoke to my insurance broker, they confirmed that all their policies include at least $2,000 in accessory coverage, which was a pleasant surprise.
Afterward, I reached out to the claims adjuster (though I hadn’t finalized any paperwork yet) and found that they were now willing to cover some of those accessories.
However, here’s the catch: they require receipts for everything, and not all of my items came with them—some were second-hand or gifts. They are insisting on the receipts, but I pointed out that the items still exist. The truck is already gone, but I’m not signing anything until I sort this out.
So, I’m reaching out for advice. Has anyone faced a similar situation? What steps should I take next? I’m in the US, by the way. Thank you!
I’m really sorry to hear about your truck and the challenges you’re facing with the insurance company. Navigating insurance claims, especially involving aftermarket accessories, can be frustrating. Here are some steps you might consider taking:
Document Everything: Make a comprehensive list of all the aftermarket accessories you had on your truck, including their make, model, and estimated value. Take photos if you haven’t already, as these can serve as visual evidence.
Use Comparable Pricing: For accessories you don’t have receipts for, try to find comparable items online (e.g., eBay, forums, or retailers) to establish their market value. This can help demonstrate to the adjuster what the fair replacement cost would be.
Gather Witness Statements: If you have friends or family who can verify that you owned certain accessories—especially gifts or second-hand items—they can provide written statements that may support your claim.
Request a Review: Politely but firmly ask for a review of your situation. Explain that while you understand their request for receipts, you’re trying to show that the accessories did exist and have a value.
Consult with an Expert: If negotiations stall, you might consider speaking with a public adjuster or an attorney who specializes in insurance claims. They can help advocate for you and may be able to provide advice specific to your situation.
Be Patient and Persistent: Sometimes these processes take time, so keep following up. Document all your communications for reference.
Look at Your Policy: Review your current policy’s terms regarding aftermarket parts. If you see provisions that support your claim, share those with your adjuster.
It’s good to hear that you have a new truck. Focus on getting a fair settlement for the lost accessories, and don’t hesitate to leverage all available resources. Good luck!