Q: In a not at fault total loss claim in CA. How do I argue the value of the claim when I have made improvements to a car?
They offered a low "market price," according to CCC, although some compared cars they cited were way off mileage wise. I had a low mileage great mechanical condition car, since I bought and put in the labor and parts to get it there. I have all the documentation proving purchase of parts. The insurance company only wants to give me the ACV. How, or can I, argue for compensation for the parts I put in?
Everything I put in has been within a year of owning the car, so the parts are practically new.
A:
more info needed.
the first thing I would suggest is that you call a PI lawyer and NOT talk to the adjuster.
s/he will talk to the adjuster and present what you are alleging.
were you injured? if not maybe atty can see pay X dollars and we will waive additional PD.
as a rule, talking to the adjuster is the kiss of death. It is not always what you said, but often what they thought they heard you say, which is what they write down in their file.
A: You don't. The parts are now part of the car. The car has an ACV dependent on condition. If you contest the value of the car, submit your proof by showing true comparables (kbb.com, autotrader.com, edmunds.com, craigslist.com, etc.), or hiring a certified auto appraiser.
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