what can be used as a proof of purchase in a car accident

aj1soad

hi all. ive recently been involved in an accident. a car drove into the back of mine at a roundabout. i had some expensive speakers in the back which have been damaged in the accident. my insurance requires a proof of purchase for them. what are all the things that can be used for a proof of purchase? thanx

hewhoisnotintheknow

aj1soad wrote: »

hi all. ive recently been involved in an accident. a car drove into the back of mine at a roundabout. i had some expensive speakers in the back which have been damaged in the accident. my insurance requires a proof of purchase for them. what are all the things that can be used for a proof of purchase? thanx

receipt invoice or maybe a card statement

Wig

I don't see what proof of purchase has do with it,

• you have them
• they are damaged
• they can inspect them for make/model/damage/value if they want to.
• you want them replaced

All they should require of you is a quote for replacement. IMHO

They wouldn't ask you for proof of purchase for the vehicle in an accident, or for any tyres that got damaged which form part of a repair estimate. They just offer a settlement based on the current value (in a write off) and they replace or repair as neccessary in non write offs.

molerat

A receipt / credit card statement is proof of purchase. Your rights are to have them replaced with something of the same or similar quality. If the speakers are still available then I would find an advertisement showing the price. If the exact model is not available then any car audio shop should be able to give you a letter to show the cost of a suitable replacement. Halfords work with many insurers and will give you an insurance replacement form quoting all details. They often accept these as they pay far less than the retail value for the voucher that you would receive.

Wig

Unless what you mean is they are willing to replace the speakers but they have asked you for proof of purchase for the replaced speakers (perfectly understandable)??? In which case, you buy the speakers, get your till receipt and ask the retailer for another hand written reciept on headed receipt pad. I would send the insurer the hand written receipt, keeping the till receipt for yourself.

EDIT: maybe not perfectly understandable, all they are required to do is give you the value of the speakers so all you need is a quote for replacement - up to you what you do with the money...... May depend on policy wording.

richardginger

If the car drove in to the back of you then your insurers will be claiming from the third party and it is not your responibility to prove when, where or how the speakers were paid for. An insurance assesor will come out and inspect the vehicle damage including the speakers and assess accordingly.

Quentin

aj1soad wrote: »

i had some expensive speakers in the back which have been damaged in the accident. my insurance requires a proof of purchase for them.

Did you declare these to your insurer when you put them in? If not, you may be opening a can of worms!

Anihilator

Firstly expensive speakers would need to be declared, if they arent this could be the problem.

The insurers are also likely to want proof that you didnt just buy a trashed pair for the sole intention of this claim.

Wig

Anihilator wrote: »

The insurers are also likely to want proof that you didnt just buy a trashed pair for the sole intention of this claim.

That's not the OPs problem, it would be for the insurer to decide if they have reasonable cause to refuse the claim, asking for a reciept might be part of this process, but it is not reasonable IMHO for an insurer to expect people to keep reciepts of all their purchases in life, and to refuse a claim on that basis alone.

aj1soad

for all they know i could have just been transporting the speakers and they dont have any proof they were connected. i rang More Than insurance and the woman told me that it is in their policy that i need a proof of purchase for the item. Is a written statement a proof of purchase? will they check up on the purchase? The speakers that ive got are unavailable now but there is a newer model and it retails at £349.99. Would i be able to get away with saying the speakers were a gift and thats why i didnt have a proof of purchase?

Quentin

aj1soad wrote: »

for all they know i could have just been transporting the speakers and they dont have any proof they were connected.

Looks like you are prepared to risk getting nothing by lying about your claim.

You need to grow up a bit over this (and read your policy - you will only be covered for a small amount of possessions, probably £100 at most).

And why aren't you claiming off the third party if it was their fault?