Fearspect wrote:I'm up in Canada, so maybe this doesn't apply to you. I know that there are generally 'tuner appraisers' out there (I forget their proper name) that will assign a realistic value to your tuned car based on mods and quality of work. Keep in mind that it will never exceed what you've actually put in, but should raise it far beyond the book value.
This story has reaffirmed my thoughts on going through that process. Sure it costs to get the appraisal, and you'll pay more in premiums (once you find an insurance company that accepts the appraisal), but at least you would be looking $10k+ for a clean car with quality mods.
z32loverboy wrote:Yeah, i haven't heard of anything like that in the states. Unless your car is "antique" which then you set a dollar value with the insurance company of what your car is worth and that's the amount it's insured for. As far as I know, that's how it works. My insurance agent is completely full of bulls*** and will give me a 20 minute presentation for a simple question.
Having gone through this process several times over the years, I WISH that there was some way to get modification value added to your vehicle, but it just isn't the case beyond replacement value- such as having new tires matters but that they are top of the line, not so much.
Basically as has been mentioned here you have to do ALL of the legwork and have the burden of proof to get ANY value added to the low KBB value they use to value losses (NOT the higher NADA values used to sell them!), and then to clean your car very well and be prepared with any and every receipt you have for all vehicle costs, then hold on for dear life and try not to be beat down by the claims people who's job it is to beat you down.
Act back to them exactly as they act towards you and never back down, and keep asking to talk to their boss or someone who can make decisions...eventually they will negotiate with you but it takes quite awhile for that to become necessary from their standpoint, which is the key to the entire negotiation.