How is ACV not just a fancy way to pay us less?

The adjuster basically told me “nice try.” It’s like unless you’re restoring a classic, the insurance just sees it as another old truck.

Man, I’ve run into that wall too. Had a modded WRX a few years back—dumped way too much into upgrades, but when it got totaled, the payout was laughable. They didn’t care about the receipts or anything. I’ve heard of agreed value for daily drivers, but every quote I got was nuts. Has anyone actually had luck with collector car insurance for something that isn’t technically a “classic”? Or do they just shut you down if you drive it every day?