Mileage Confirmation 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 the bike had approximately 20,000 miles on it.
The appraisal team requested service records, which I unfortunately do not have. I performed all maintenance myself and kept up with it regularly without tracking mileage-based services.
Due to the lack of service records, the team decided to estimate my bike’s mileage at 10,000 miles, despite my repeated statements indicating it was higher.
Now, I’ve been asked to sign a payout document stating that the mileage is accurate to the best of my knowledge. However, this is not true, as I’ve consistently communicated that the mileage exceeds 10,000.
Which department should I contact to rectify this issue? Or, given that I have already mentioned the higher mileage multiple times, am I covered?
It sounds like you’re in a frustrating situation with your insurance company regarding the mileage attestation. Here are some steps you can take to address the issue:
Contact Your Claims Adjuster: Reach out directly to the claims adjuster handling your case. Explain your concerns about the mileage discrepancy and clarify that you have consistently communicated that the mileage is higher than what they are estimating.
Request a Supervisor: If you’re not getting satisfactory answers from your claims adjuster, ask to speak to a supervisor or a manager in the claims department. They may have more authority to resolve your issue.
Document Everything: Make sure to keep records of all your communications with the insurance company, including dates, times, and what was discussed. If possible, follow up important conversations with an email summarizing your understanding for documentation.
Consumer Complaint Department: If you’re still not getting anywhere, consider reaching out to the consumer complaint department of your insurance company. They can sometimes intervene when there are disputes.
Insurance Regulatory Agency: If all else fails, you might want to contact your state’s insurance regulatory agency. They can provide guidance and may help facilitate a resolution.
Legal Advice: If you feel that your claim is being mishandled, it may be worth consulting with an attorney who specializes in insurance claims to understand your rights and options.
You mentioned that you were consistent about the mileage, which is important. Make sure that whatever paperwork you end up signing aligns with your actual understanding of the mileage to avoid potential issues down the road. Good luck!