car got vandalism
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UPDATED: Aug 28, 2010
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Insurance Question from Carver, OR
Asked on 08/28/2010
car got vandalism hi i bought a salvage car from the auction & i had it rebuilt one year ago.now my car got vandalism i had claim my insurance & now they want all the receipte for all the parts i bought & invoice from the bodyshop wich i dont have any proof to show becaz the bodyshop now is shutdown i only have proof of auction papers what can i do now help me plz
Answer given on August 29, 2010
When you purchased the car and insured it, you should have told your agent that the car was salvaged. If you did, then the insurance company should have asked for any paperwork at that time. However, if you didn’t tell the agent of the salvage, or if you rebuilt it after you initially insured it, then you are subject to proving the value of the car. You should have kept the receipts for the parts and labor since the work was only done a year ago.
If the car is still around, you should have some proof of the work done, unless all parts were stolen or removed. You may also have a photo of the car showing its condition. These things could help you in determining the value of the car. Even though you rebuilt the car, its value is diminished since it was a salvaged vehicle. Talk to your agent. See if they can help you. Did they inspect the car when it was insured? If so, they may be able to confirm the condition of the car.
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