That's a fair point—appraisals aren't always a slam dunk. Has anyone checked if their insurer accepts agreed-value policies without an appraisal? Might save some hassle and cash, depending on the company...
"Has anyone checked if their insurer accepts agreed-value policies without an appraisal?"
Depends a lot on your insurer—mine insisted on an appraisal first. Pretty straightforward though: snap detailed pics, list recent upgrades, and toss in some comparable listings. Took maybe an hour total...beats arguing later if something happens.
Mine actually didn't need a formal appraisal—just wanted some solid proof of value. Sent them a few recent sale listings, detailed pics, and my mechanic's notes (scribbles, really...) and they were good with that. Maybe I lucked out?
"Maybe I lucked out?"
Yeah, sounds like you did pretty well there. Actually, that's pretty common—most insurers just want reasonable proof of value, especially if it's not a super high-end collectible. Formal appraisals can be pricey and aren't always necessary. Just make sure your documentation is clear and recent, and you're usually good. I've seen scribbled mechanic notes accepted more times than you'd think... guess authenticity counts for something!
"I've seen scribbled mechanic notes accepted more times than you'd think... guess authenticity counts for something!"
Yeah, totally agree with this. When I insured my older car, I was pretty nervous about documentation too—didn't want to leave anything up to chance. But turns out insurers are usually pretty reasonable as long as your paperwork makes sense and isn't ancient. Sounds like you're already on the right track. Just keep everything organized and updated regularly, and you'll probably stay lucky... or at least prepared if luck runs out.
