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Thank you so much - For my knowledge sake - apart from the two issues that occurred in past ... lets say on a closer examination I find other issues which i dont know whether they have occurred recently or old ones which I might have missed , how will the insurance company deal with this situation ? I am obviously going to give my self benefit of doubt and say that any remaining issues might have been from recent incident
Thanks a lot
yes they may be trained , but there can be an incident which causes a dent both on front door and back bumper , How can they prove or come to a conclusion about the age of a damage ? I agree that I dont know for sure, when the other issues happened( because a small ding on a black car isnt noticeable to you unless you examine very closely and nobody would do that every day ) but why will the insurance company get the benefit of doubt and not me ?
You're welcome. It isn't so much an issue of benefit of the doubt, it is an issue of an contract and potential fraud. I used to work for a major automobile insurance company and I can tell you that the adjusters are very good at what they do. They have a lot of training and can tell the age of damage on the vehicle by the appearance. Yes, indeed, a front and back dent or damages, can be related, but they must appear to have occurred at the same time and you absolutely must have an estimate of when the damage occurred and how. That is just how insurance policies work. There are two different types of coverage, collision and comprehensive, so how something happened makes a difference. For example, a moving vehicle hitting you is collision. However, a shopping cart being blown into you parked car is comprehensive. It is all very technical and entirely dependent on the facts. You cannot just call up the insurance company and say I want all this cosmetic work done on my car without having an actual event accident/incident to tie to it.
Thanks for the detailed explanation .
So , the summary is - if insurance adjuster says this is 1 year old damage , it is one year old .
If he says this is 2 years old damage , it is 2 years old .
Am I right ? This tpic is new for me , so pardon me if my questions doesnt make a lot of sense