Had a similar situation a few years back with my '72 Camaro. Honestly, having an appraisal saved my butt big-time. Insurance adjuster initially tried to lowball me (surprise, surprise...), but once I showed them the professional appraisal, their tune changed pretty quick. It didn't magically solve everything—there was still some back-and-forth—but it definitely gave me solid ground to stand on. I'd recommend getting one done, just for peace of mind if nothing else.
"Insurance adjuster initially tried to lowball me (surprise, surprise...)"
Haha, as an insurance agent myself, I can confirm—we're not all villains, but adjusters aren't exactly known for their generosity. A proper appraisal is definitely your ace card when things get sticky. Worth every penny, trust me.
Totally agree on the appraisal—saved my bacon once when an adjuster tried to undervalue my '68 Jag. Adjusters aren't evil, just doing their job...but a solid appraisal keeps everyone honest. Worth the hassle every time.
I get the appraisal logic, but honestly, aren't agreed-value policies simpler? Had one on my '72 Alfa and skipped the whole appraisal dance...never had an issue when I needed a claim. Maybe worth considering?
Agreed-value does sound simpler...but do you think it makes sense for a daily driver? Had an older BMW a while back, and I remember the agent suggesting agreed-value was better suited for weekend cruisers. Maybe depends how often you're driving it?
