Looking for good automotive appraiser for modded car...

[jasonturbo]

Hey RS,

Since someone decided to hit my ITR in WA this weekend... I have been thinking.... (Light damage, its ok )

I decided I should get my ITR appraised and insured for replacement value,... just in case my worst fears manifest themselves.

Anybody want to share where they got their car appraised? I would prefer to find someone who see's the value in something more collectable like the ITR.

Thanks in advance

Jason

[Jgresch]

Oh. Hello there.

I appraise cars for the dealership... but I don't think it's what you're looking for is it....

[jasonturbo]

Originally Posted by Jgresch

Oh. Hello there.

I appraise cars for the dealership... but I don't think it's what you're looking for is it....

Not exactly lol...

Looking for a third party appraisal to bring to a private insurer to insure the car for replacement value should it ever be stolen...

The knowing my luck someone will hit me, it will get wrote off, and ICBC will do everything they can to avoid paying me the appraised replacement value... fuckin crooks.

[godwin]

If you have an agreed value agreement with ICBC then they will pay.

To do that, make sure you get the documentation that your appraiser actually talked to ICBC's appraiser and they both agree on the value.

Honestly why are they crooks? If you missed a flight on Thanksgiving because you slept in, would you call Air Canada crooks because you need to buy a new ticket? Everyone value things differently, that's what insurance is all about.

Look in the classified section of Hemmings on any magazine rack.. there is a guy in Delta. http://www.hemmings.com/

Originally Posted by jasonturbo

and ICBC will do everything they can to avoid paying me the appraised replacement value... fuckin crooks.

[jasonturbo]

Originally Posted by godwin

If you have an agreed value agreement with ICBC then they will pay.

To do that, make sure you get the documentation that your appraiser actually talked to ICBC's appraiser and they both agree on the value.

Honestly why are they crooks? If you missed a flight on Thanksgiving because you slept in, would you call Air Canada crooks because you need to buy a new ticket? Everyone value things differently, that's what insurance is all about.

Look in the classified section of Hemmings on any magazine rack.. there is a guy in Delta. http://www.hemmings.com/

LOL...

Actually, if you missed a flight with air canada, you dont have to pay for a new ticket, though if there is a differnce in the price of the original ticket you purchased (for the flight you missed) and the new one you need,... you are of course expected to pay the difference.

Thanks for providing the worst analogy ever.

If I miss my flight, that is MY FAULT.

If my car is stolen, that is NOT MY FAULT.

If someone smashes into my car and destroys it, that is also NOT MY FAULT.

Maybe you can see there difference with the examples I have provided for you.

The purpose of insurance is to indemnify the insured, if my ITR is appraised at 15k and ICBC only wants to pay me out 10k, then they are not holding up their end of the bargain, the bargain being that they indemnify me in consideration of the premiums that I am paying.

In the event there is an at-fault party involved, the concept still remains the same, ICBC indemnifys the at-fault party from suffering any sort of financial loss, and in doing so they are indemnifying the party which has suffered a loss by returning them to the state they were in prior to the event in queston.

Fail my balls, you suck.

[Lomac]

You have to get your vehicle appraised quite regularly if you want ICBC to even consider it, and even if you do, there's no guarantee you'll get that amount. I've got a horror story about a '63 Corvette, an appraisal, ICBC refusing to pay anywhere near that amount, and lawyers. It all got sorted out in the end, but you need to make sure you have everything in writing by all parties (including ICBC) or else you'll find you wasted a bunch of money on an expensive sheet of paper.

[jasonturbo]

Originally Posted by Lomac

You have to get your vehicle appraised quite regularly if you want ICBC to even consider it, and even if you do, there's no guarantee you'll get that amount. I've got a horror story about a '63 Corvette, an appraisal, ICBC refusing to pay anywhere near that amount, and lawyers. It all got sorted out in the end, but you need to make sure you have everything in writing by all parties (including ICBC) or else you'll find you wasted a bunch of money on an expensive sheet of paper.

Right on the money, though the problem of getting ICBC to agree to what the appraised value is... might be a battle in itself lol.

I'll be sure to come back to this thread once I have jumped through all the hoops and share my experience.

[godwin]

Actually if you miss a flight on Air Canada it has always been " Customers who no-show for their fllight will forfeit the full amount of their ticket."

As for car being written off. has nothing to do with fault, it has everything to do with the option you choose. You don't have Agreed Value Insurance (It is an option). So what you are saying is ICBC is "fuckin crooks", because you didn't pick the "Agreed Value" option.

Originally Posted by jasonturbo

LOL...

Actually, if you missed a flight with air canada, you dont have to pay for a new ticket, though if there is a differnce in the price of the original ticket you purchased (for the flight you missed) and the new one you need,... you are of course expected to pay the difference.

Thanks for providing the worst analogy ever.

If I miss my flight, that is MY FAULT.

If my car is stolen, that is NOT MY FAULT.

If someone smashes into my car and destroys it, that is also NOT MY FAULT.

Maybe you can see there difference with the examples I have provided for you.

The purpose of insurance is to indemnify the insured, if my ITR is appraised at 15k and ICBC only wants to pay me out 10k, then they are not holding up their end of the bargain, the bargain being that they indemnify me in consideration of the premiums that I am paying.

In the event there is an at-fault party involved, the concept still remains the same, ICBC indemnifys the at-fault party from suffering any sort of financial loss, and in doing so they are indemnifying the party which has suffered a loss by returning them to the state they were in prior to the event in queston.

Fail my balls, you suck.

[jasonturbo]

Originally Posted by godwin

Actually if you miss a flight on Air Canada it has always been " Customers who no-show for their fllight will forfeit the full amount of their ticket."

As for car being written off. has nothing to do with fault, it has everything to do with the option you choose. You don't have Agreed Value Insurance (It is an option). If you loose your car get damaged, you only get black book value.

Listen, lol I miss flights with aircanada all the time, if you give them the ticket# for a ticket you never used (like for a flight you missed) you can use the value of that ticket towards another flight, though you also pay the 75$ fee to change the ticket.

I'm not even gonna touch the part about the agreed value, yes the agreed value makes sense if I am claiming through my insurance,... but if it is there is an at fault party involved there is nothing saying that their insruance company needs to recognize that agreed value. Yes I am aware that this is BC and most drivers are insured with ICBC, but lets say someone from out of province hits my car? Like what just happened to me in WA on saturday!!!!

Also, ICBC does not pay out on BB value!!! They have specfic people in the adjusting department who will do a survey of vehicles similar to yours selling at current market value to determine what ICBC will pay you for your total loss.

You suck at being right.

EDIT<

I should thank you for mentioning that agree'd value thing btw ;D so thanks!