Insurance Appraisal (Agreed Value)

Standard auto insurance settles claims at "actual cash value" — often based on generic guidebook pricing that badly undervalues classic, collector, exotic, and heavily modified vehicles. Many specialty insurers instead offer agreed value coverage, where you and the insurer agree on a fixed insured amount in advance — but they typically need an independent appraisal to support that number.

Get Appraisal prepares agreed-value appraisal reports your insurance broker can use to set up (or update) the right coverage for your vehicle.

When you need this appraisal

• Insuring a classic, antique, or collector vehicle that isn't reflected in standard pricing guides.
• Insuring an exotic, high-performance, or low-production vehicle.
• The vehicle has been restored, customized, or modified in ways that increase its value.
• Your policy is renewing and your current insured value hasn't been reviewed in years.
• Your broker or insurer has specifically requested an independent appraisal.

What's included

• Full vehicle history and specification review, including modifications and restoration work
• Market research using comparable sales and, where relevant, auction results
• Photo documentation of exterior, interior, and mechanical condition
• A finished appraisal report formatted for submission to your insurance broker or insurer