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Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131020
06/11/19 05:30 AM
06/11/19 05:30 AM
Joined: Apr 2010
Posts: 3,592
Atlanta,GA
BMWTurboDzl Offline
BMWTurboDzl  Offline

Joined: Apr 2010
Posts: 3,592
Atlanta,GA
Originally Posted by Vern_in_IL
My agent asked me how many miles I drive annually, so if I have the car 4 years fully insured, and total it, if my mileage is over my estimate I gave them, can they deny my claim?


Depends. If you were insuring the car as a Classic/Antique but using it as a daily driver then I suspect they would have grounds to drop you as a customer and/or deny a claim. Otherwise no, not really.


“It took untold generations to get you where you are. A little gratitude might be in order. If you’re going to insist on bending the world to your way, you better have your reasons.”

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Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131058
06/11/19 06:40 AM
06/11/19 06:40 AM
Joined: Jul 2015
Posts: 4,841
New England
madRiver Online content
madRiver  Online Content

Joined: Jul 2015
Posts: 4,841
New England
Think of this way your vehicle is only worth less not more then what they anticipate due to excess mileage.

Short answer no

Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131068
06/11/19 06:53 AM
06/11/19 06:53 AM
Joined: Apr 2010
Posts: 1,767
Suburban Washington DC
atikovi Offline
atikovi  Offline

Joined: Apr 2010
Posts: 1,767
Suburban Washington DC
Originally Posted by Vern_in_IL
My agent asked me how many miles I drive annually,


Sure it's not for a discount? I remember years ago that if you state under 7500 miles a year, you got a lower rate. If you actually drove more, I doubt they could deny a claim, just take back the discount.

Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131118
06/11/19 08:03 AM
06/11/19 08:03 AM
Joined: Sep 2017
Posts: 539
One Step Beyond
MasterSolenoid Offline
MasterSolenoid  Offline

Joined: Sep 2017
Posts: 539
One Step Beyond
Once I retired, I requested a 'discount' because I drive 7,500 miles or less per year.
This is with State Farm and I save $70.00 per year.

Just to protect myself, I always save my last two Inspection Receipts showing mileage.


2002 Ford Ranger
2 Wheel Drive
3.0 Liter Engine
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Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131128
06/11/19 08:14 AM
06/11/19 08:14 AM
Joined: Mar 2004
Posts: 22,494
Upstate NY
Donald Offline
Donald  Offline

Joined: Mar 2004
Posts: 22,494
Upstate NY
They are looking to see if the car is used to commute a little or a lot or if just pleasure usage.

I am 99.999% sure they will never deny a claim based upon the mileage of a vehicle. The mileage might be used to set the totaled car value. And next premium.

You can also ignore the annual questionnaire and they will still insure you.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Can auto insurance be denied if.... [Re: tony1679] #5131179
06/11/19 09:11 AM
06/11/19 09:11 AM
Joined: Sep 2002
Posts: 2,957
VA
Gebo Offline
Gebo  Offline

Joined: Sep 2002
Posts: 2,957
VA
Originally Posted by tony1679
That would require telling them your mileage in the first place, something I've never done/had to do. shrug



Excellent point!


'98 LEX LS400 295K
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Re: Can auto insurance be denied if.... [Re: Donald] #5131182
06/11/19 09:18 AM
06/11/19 09:18 AM
Joined: Apr 2014
Posts: 1,496
South Central PA (Fulton Co)
Delta Offline
Delta  Offline

Joined: Apr 2014
Posts: 1,496
South Central PA (Fulton Co)
Originally Posted by Donald
You can also ignore the annual questionnaire and they will still insure you.


That is correct, atleast with my insurance. I had to fill out one of those and due to the mail around here (they never got it) I got a 3rd letter stating if they did not receive my mileage statement they would move it to the next bracket. I just went down to the agent and showed them in person.


'17 VW GTI 2.0T - 6MT - 16K - Edge 0w40
'15 Camry SE - 2.5 - 23K - PP 0w20
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Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131193
06/11/19 09:28 AM
06/11/19 09:28 AM
Joined: Dec 2004
Posts: 2,675
Chicago Area
opus1 Offline
opus1  Offline

Joined: Dec 2004
Posts: 2,675
Chicago Area
This happened a long time ago, but I remember a coworker having issues for underreporting her mileage. She used the train to commute to downtown Chicago and lived within walking distance of the train station in her town so she only drove to run errands or on weekends. She had enough of the train and started driving downtown but never informed her insurance company. She got into an accident and got a lot of flack when the company found out that her car's mileage was well over what they consider "low mileage driving". They didn't deny the claim, but they put her into a different bracket based on her mileage and I think they retro-actively billed her for a year's worth of the discount she received for claiming to be a low-mileage driver.


Current Fleet:

2010 Hyundai Sonata GLS
2009 Chevy Cobalt SS Sedan (yes,the turbo)
2002 Dodge Dakota SXT Club Cab
1994 Ford Ranger XLT (RIP, Dad)
Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131204
06/11/19 09:36 AM
06/11/19 09:36 AM
Joined: Aug 2004
Posts: 1,487
VA
Rhymingmechanic Offline
Rhymingmechanic  Offline

Joined: Aug 2004
Posts: 1,487
VA
Only your policy can give a definite answer about denying claims.

My guess is that mileage figures into the premium. Like MasterSolenoid said, State Farm gives a discount for 7500 miles or fewer per year. Their only other mileage category is more than 7500. (For business vehicles, the cutoff is 12,000.)

I have gotten mail from SF periodically asking me to report mileage, probably so they can make sure I'm still eligible for the discount.

Re: Can auto insurance be denied if.... [Re: Delta] #5131228
06/11/19 10:09 AM
06/11/19 10:09 AM
Joined: Dec 2016
Posts: 9,128
Waco, TX
Linctex Offline
Linctex  Offline

Joined: Dec 2016
Posts: 9,128
Waco, TX
Originally Posted by Delta
I got a 3rd letter stating if they did not receive my mileage statement they would move it to the next bracket.


I have never, ever been asked the mileage.

They asked for a "Guesstimate" but they never make any attempt to verify it.


"The evidence demands a verdict".
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Re: Can auto insurance be denied if.... [Re: Linctex] #5131292
06/11/19 11:14 AM
06/11/19 11:14 AM
Joined: Dec 2004
Posts: 2,675
Chicago Area
opus1 Offline
opus1  Offline

Joined: Dec 2004
Posts: 2,675
Chicago Area
Originally Posted by Linctex
Originally Posted by Delta
I got a 3rd letter stating if they did not receive my mileage statement they would move it to the next bracket.


I have never, ever been asked the mileage.

They asked for a "Guesstimate" but they never make any attempt to verify it.

My company stopped asking for verification on the Ranger.

The Cobalt tattles on itself via OnStar. The savings I'm getting due to that more than offsets the cost of the OnStar subscription, and they do check that. I had one year where I didn't drive the car often enough to regularly trigger the diagnostic report that they use and not only did I get a call from my agent asking to verify my mileage, but they also opened a trouble ticket with OnStar, who then contacted me to troubleshoot the issue.


Current Fleet:

2010 Hyundai Sonata GLS
2009 Chevy Cobalt SS Sedan (yes,the turbo)
2002 Dodge Dakota SXT Club Cab
1994 Ford Ranger XLT (RIP, Dad)
Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131440
06/11/19 02:06 PM
06/11/19 02:06 PM
Joined: Feb 2003
Posts: 4,637
Arkansas
Win Online content
Win  Online Content

Joined: Feb 2003
Posts: 4,637
Arkansas
Originally Posted by Vern_in_IL
My agent asked me how many miles I drive annually, so if I have the car 4 years fully insured, and total it, if my mileage is over my estimate I gave them, can they deny my claim?


Read the policy. But If it is so wrong as to amount to a knowingly and / or materially false statement on the application, then I suspect the answer is yes, but a more plausible scenario is that the insurer would go back and retroactively adjust the premium to what it should have been, had the application been completed correctly.

Your state law may also have rules on this.

I have had to provide odometer readings for cars I rarely drive that have a somewhat reduced premium; I usually just send them a picture of the odometer.


09 Torrent 3.6 V6 M1 0/30
09 Solstice 2.4 I4 Fram 5/30
08 G8 3.6 V6 ST Syn 5/30
04 Xj8 4.2 V8 Hav 5/40
99 S-10 2.2 I4 RECOVERED
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Re: Can auto insurance be denied if.... [Re: Vern_in_IL] #5131521
06/11/19 03:32 PM
06/11/19 03:32 PM
Joined: May 2015
Posts: 2,304
America
Alfred_B Offline
Alfred_B  Offline

Joined: May 2015
Posts: 2,304
America
Originally Posted by Vern_in_IL
My agent asked me how many miles I drive annually, so if I have the car 4 years fully insured, and total it, if my mileage is over my estimate I gave them, can they deny my claim?

I'm in the same situation and I think they can and will deny the claim. More miles means more risk that is disproportionate to the premium you're paying.

Re: Can auto insurance be denied if.... [Re: opus1] #5132195
06/12/19 10:26 AM
06/12/19 10:26 AM
Joined: Dec 2004
Posts: 11,355
1/2 hr N.E. of Detroit
Triple_Se7en Offline
Triple_Se7en  Offline

Joined: Dec 2004
Posts: 11,355
1/2 hr N.E. of Detroit
If you can afford to have the luxury of an Onstar Subscription on your outdated Cobalt, then there's other things in life you are unnecessarily splurging on also. So just pay whatever premium your insurance asks. For you have too much money burning holes in your pockets already.


19 Hyundai SantaFe 2.4GDI Castrol Edge 5w30 / NAPA Mann-Hummel filter / 6oz Liqui-Moly Treatment
04 Colorado 3.5 Castrol Edge 0W40 Euro & K&N filter
03 Malibu 3.1 QS / Valv Syn 5w30 mix Fram EG filter
Re: Can auto insurance be denied if.... [Re: opus1] #5132257
06/12/19 11:46 AM
06/12/19 11:46 AM
Joined: Nov 2008
Posts: 1,121
Las Vegas
ArrestMeRedZ Offline
ArrestMeRedZ  Offline

Joined: Nov 2008
Posts: 1,121
Las Vegas
Originally Posted by opus1
My company stopped asking for verification on the Ranger.

The Cobalt tattles on itself via OnStar. The savings I'm getting due to that more than offsets the cost of the OnStar subscription, and they do check that. I had one year where I didn't drive the car often enough to regularly trigger the diagnostic report that they use and not only did I get a call from my agent asking to verify my mileage, but they also opened a trouble ticket with OnStar, who then contacted me to troubleshoot the issue.


Wow. When I reviewed my OnStar subscription, I called my insurance company (USAA) and asked the amount of discount for the service. It turned out to be much less than one month's of OnStar cost for the 6 month policy. I cancelled OnStar.

Last edited by ArrestMeRedZ; 06/12/19 11:46 AM.
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