Quote:
Originally Posted by VladtheImpaler
Being a PI lawyer I can't pass this up.  First of all, typically the at-fault insurance will offer you black-book (or whatever book is now in vogue  ) value for the car. They may be willing to bargain with you to a point, but inevitably you lose out on the vehicle. Look at bargainfinder and try to find some higher-priced identical cars. They will also credit you with recent improvements (not maintenance type stuff like new brake pads, but if you put in a new fancy stereo system).
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Here we go, Fancy that a PI lawyer thinks he knows insurance
Just keep in mind that the insurance pays you the actual cash value of the vehicle and not what you paid for it, something to keep in mind for the next vehicle you purchase.
The best way to raise your ACV is to show comparable vehicle examples. Basically find out what similar vehicles are selling for and present them. Keep in mind the biggest factor will no doubt be mileage.
Back when I was doing liability before I switched to injury nothing hurt me more to see someone that just paid $20,000 for a used vehicle a month prior and that vehicle was worth less than they owed on it.