WizardDresden2192 t1_iyaydp5 wrote
You're lucky they gave you any value on your after market add ons. Typically for those to be considered at all you need a add on /rider for custom equipment if it's your carrier and the other carrier isn't obligated to consider them at all if it truly doesn't increase vehicle value (such as custom rims, custom paint, exhaust or body kits etc).
Just because you paid $4000 for something doesn't mean that's what they are worth or that it increases the actual value of the vehicle.
If your truck is "as rare" as you say it is, then it's going to be difficult for them to find comps. They typically stay within a certain radius of your zip code unless they can't find comps near by. If you're having all these issues and believe they are way undervaluing your vehicle like you say, then spend the money and hire an appraisar. No amount of complaining is going to get them to dramatically increase the price if they have comps to support otherwise.
Take all the after market stuff off and sell it instead of trying to get insurance to add it in. You'll just have to put the original /cheaper rims back on before cash out.
With vehicle values you don't have much wiggle room on value because the actual cash value of the truck is simply it's value. A manager isn't likely to be able to make much change in the evaluation unless it's just completely wrong.
Knipfty t1_iyb08sy wrote
The only thing to add is to go online and find your truck for sale. Better yet, show three nearly identical trucks so they can average it out.
shotdoubleshot OP t1_iybdlvt wrote
Their valuation is using compatible vehicles that blatantly favor them. They refused to use one I offered because it is 800 miles away when one of the ones they are using is 1000 miles away. Every valuation the give me is erroneous despite walking through the errors with them three times. They insist on exclusively using rusted out vehicles from the north as comparisons. There is two examples of the truck for sale in the country and they are $35,000 (they won't go a cent over $27,000) but they are private sellers so they don't care. Every other comparable vehicle is quite a bit different in ways that make them unappealing. A direct comparison simply isn't available from a dealer nation wide. It is comprehensive insurance stating "like for like replacement" in the policy. The after market add ons have less to do with the value of the vehicle and more to do with them replacing the items I had insured. For me this is more about replacing exactly what I had instead of determining what they think the value is because guess what, I can't buy it back for that.
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