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WANNA930 WANNA930 is offline
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Join Date: May 2008
Posts: 422
They can give you the approx value of a STOCK vehicle. The reason they are asking for an appraisal is to have a so called professional give their written opinion on the value of the car. This takes personal taste and emotions out of the equation. Appraisals are a joke but always benefit the owner. Ever see the mess on EBAY worth $15k but has a appraisal for $45?

I am almost certain SF like USAA, Geico, etc sublet their collector car policies.

There is a huge disconnect between the agents and the claims side.

The benefit of using a collector car type insurance is the adjusters and estimators work with collector cars all day. You will run into a lot of issues trying to explain your mods to someone who looks at stock cars. Sheetmetal is sheet metal but car specific mods is where they lack the knowledge and training. They are using guides that are designed to repair new vehicles back to pre accident condition. Try and explain why you need 25 hrs to repair a panel and 40hrs to wet sand a 911 to a estimator who doesn't work on classic cars.

You now own a collector car and it should be insured as such.
Old 07-03-2014, 03:45 PM
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