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Classic Car Insurance Questions and Answers. This is the place to talk about Classic Car Insurance .

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Old 07-10-2017, 08:55 AM   #51
Roger Walling
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As far as the payment for a claim goes, Much has to be said about the appraiser. (who may be a local appraiser that does not know modified cars)

The shop, (that knows the proper way to restore the modified car)

And the adjuster, (that may have had a bad day.

And a little bit of testosterone thrown in!)
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Old 07-10-2017, 09:04 AM   #52
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Quote:
Originally Posted by Roger Walling View Post
As far as the payment for a claim goes, Much has to be said about the appraiser. (who may be a local appraiser that does not know modified cars)
The shop, (that knows the proper way to restore the modified car).
And the adjuster, (that may have had a bad day.
And little bit of testosterone thrown in!).
Since Hagerty and both Grundy companies issue agreed-value policies, appraisers aren't part of the equation. Any appraising required is done before the policies are written.

Typically insurance adjusters don't come and look at damage at cars anymore either.
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Old 07-10-2017, 04:51 PM   #53
Roger Walling
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Quote:
Originally Posted by roger1 View Post
Since Hagerty and both Grundy companies issue agreed-value policies, appraisers aren't part of the equation. Any appraising required is done before the policies are written.

Typically insurance adjusters don't come and look at damage at cars anymore either.


Appraisers do examine a car and will state a value of it.

Also, (damage)Appraisers are the person that examines the damage on your car.

Adjusters do not look at your car but view the damage appraisal and determine the payout. (or not, according to the policy)
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Old 07-10-2017, 04:57 PM   #54
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Appraisers do examine a car and will state a value of it.
Also, (damage)Appraisers are the person that examines the damage on your car.
Adjusters do not look at your car but view the damage appraisal and determine the payout. (or not, according to the policy)
Like I said, these are agreed-value policies. Any private appraisal that might be required is done at the owner's expense and before the policy is written and evaluated by their underwriters.
The insurance company reviews body shop estimates of damage (not appraisals of damage) and might require photo documentation. They are claims adjusters, not appraisers.
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Old 07-11-2017, 07:38 AM   #55
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In Ma., body shop "body shop estimates of damage, and appraisals of damage" are one and the same.

Both must be done by a state licensed damage appraiser.

(Just a technicality, but technicalities are what insurance companies live on)
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