“Doesn’t seem to matter if it’s a classic or just a beater, the adjuster’s glued to that checklist.”
I get where you’re coming from, but honestly, I’d rather have them stick to the checklist than leave it up to “common sense.” Too much room for bias otherwise. I’ve seen friends with rare cars get burned by inconsistent adjusters. At least with a set process, you know what you’re up against, even if it’s frustrating.
Honestly, the checklist is there for a reason, but I get why it feels rigid—especially if you’ve got something unique in your garage. The thing is, without that structure, things can get messy fast. I’ve seen claims where two adjusters handled similar cars totally differently, and it just led to headaches for everyone. Still, I wish there was a little more wiggle room for classics or rare models... sometimes the process doesn’t quite fit those cases. Ever tried getting an agreed value policy? That can help sidestep some of the checklist drama for special cars.
I get what you mean about the checklist being a necessary evil, but man, it does feel like overkill sometimes—especially when your car’s not exactly “off the shelf.” I’ve looked into agreed value before, but doesn’t that usually cost more? I’m always weighing if it’s really worth the extra bucks. Anyone ever actually had their agreed value honored without a fight, or is it just another hoop to jump through? Sometimes I wonder if the peace of mind is worth the premium...
- Been there with the agreed value debate—had a client with a ‘72 Bronco, not exactly stock, and he was nervous about the payout if anything happened.
- Yes, agreed value usually runs higher, but when his truck got rear-ended, the insurer actually paid out the full agreed amount. No drama, just paperwork.
- That said, I’ve seen other companies nitpick over every mod or “market value” clause. It really depends who you’re with and how well you document everything.
- For peace of mind, it’s worth it for some folks, especially if you’ve sunk real money into custom work. But yeah, it’s not always a smooth ride...
Agreed value sounds great on paper, but man, I’ve had my share of headaches with it. My last claim (’19 S-Class, not exactly a Bronco, but still) turned into a three-month saga because the adjuster wanted to debate every single aftermarket upgrade. Apparently, my “custom” floor mats were a sticking point? Sometimes I wonder if they just spin a wheel to decide what counts. Honestly, I almost miss the days when the biggest worry was whether my cupholder would survive a Wyoming pothole...
