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

Chippy_Minton_2 · 28 November 2009 at 1:37PM

Anihilator wrote: »

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

Are they after market?

If so who repleced them you or the previous owner?

Did you inform the insurance company of the modifications to your vehilce?

Wig · 28 November 2009 at 2:37PM

From my memory I think insurance policies say soemthing like stereo equipment upto £500 is covered. I'm sure someone (who can be bothered to read their own policy) will correct me if I'm wrong.

OP,
Read your policy.
If your insurer won't cover the items, the third party hit you from behind, should be a fairly easy claim to win against the 3rd party directly - not involving your insurer at all. As you have no contract with the 3rd parties insurer you can claim for whatever is damaged with or without reciepts, whether declared as modifications or not.

Although I can see that radio mods could be declarable (depending on policy wordings) items, I have never heard of an insurer being picky over radio mods unless ofcourse it was a claim for equipment over the stated value in the policy.

Quentin · 28 November 2009 at 2:58PM

Wig wrote: »

From my memory I think insurance policies say soemthing like stereo equipment upto £500 is covered.

It seems from the op's posts that these speakers are specials that haven't been declared, and is instead talking about claiming them as personal goods being carried in the car, which means they will come into the £100 personal possession limit (if the claim is accepted).

Wig · 28 November 2009 at 3:08PM

The OP is clearly fishing around to see what would be best to get the claim paid out - I can only assume that they were actually fitted. Yes I was talking of 'fitted' stereo equipment, but there is not neccessarily any need to declare non standard units being fitted (policy wordings must be read), indeed the £500 limit would seem to me to indicate that you only need declare stuff of a combined value over £500 (or risk a max payout of £500).

Quentin · 28 November 2009 at 7:37PM

Wig wrote: »

but there is not neccessarily any need to declare non standard units being fitted (policy wordings must be read), indeed the £500 limit would seem to me to indicate that you only need declare stuff of a combined value over £500 (or risk a max payout of £500).

No. This is bad advice.

They are modifications and all modifications need to be declared. (Nothing to do with them reaching the max payout of say £500 for audio equipment!)

(If you have audio equipment that is worth more than the policy limit you should take out extra cover if you want the full replacement cost insured.)

mikey72 · 28 November 2009 at 9:32PM

My policy doesn't require the stereo to be declared, but it will only pay out to the cost of the oe. Not a problem to me, have you got a quote for a new dealer supplied stero? I couldn't afford one.

Wig · 28 November 2009 at 10:33PM

Quentin wrote: »

No. This is bad advice.

They are modifications and all modifications need to be declared. (Nothing to do with them reaching the max payout of say £500 for audio equipment!)

(If you have audio equipment that is worth more than the policy limit you should take out extra cover if you want the full replacement cost insured.)

It's not bad advice at all. People need to read their policies as to what is expected to be declared and I said that in the post you quoted.

" They are modifications and all modifications need to be declared."
Is quite simply untrue.

aj1soad · 28 November 2009 at 11:14PM

the 3rd party insurance is paying for all damages. it would be different if i caused the accident and was trying to claim for the speakers, then it would be my loss for not declaring them. but since ive been asked if there was any personal belongings damaged in the car i can claim for them. i just need to know what could have been used as a proof of purchase

Wig · 29 November 2009 at 12:06AM

Proof of purchase of the damaged goods would be a photograph of them. More literally it is a proof that they were in your possession and that they were damaged. How you got hold of them is COMPLETELY IRRELEVANT, they are damaged and you want them replaced by the third party insurer. You may be using your insurer as a go between, effectively what you are doing is claiming on your insurance policy and your insurer is playing funny !!!!!!s and treating your claim as strictly as they would treat any other claim. If you don't want to deal with your insurer deal directly with the 3rd party insurer. You submit what you want repaired and replaced, and they had better agree or you take them to court simple as.