The short answer
Insurers reduce or deny auto claims by attributing damage to prior incidents visible in vehicle history, service records, or Carfax. Rebut with: dated pre-loss photos, recent service or inspection records, and an independent post-loss inspection. Escalate through the appraisal clause if the dispute is on repair cost, or through the state DOI if on causation.
Frequently asked
- What if I don't have pre-loss photos?
- Service records with mileage and a professional appraiser can rebuild a baseline.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription