How do we value our cars?

I am impressed that a big profit orientated insurance company will take your word for the value of your car based on some non related companies say so, a few pictures and a handful of invoices ? I wish ours were so generous. I will be curious about the outcome.

What I cannot understand is that you spent a major long time (and $s) creating your pride and joy and why you didn't have it appraised so you would not have the questions that you are asking....

I had a minty '71 MGb-gt and my insurance company refused to put collision on it and was quite clear that if I had an accident ...and they were charging strong rates for just pl/pd..that because it was just an old car...they would use black or blue book values... all I would get is 25 cents to call someone who cared. With an appraisal, they would live up to the paperwork even though I told them what it was worth..

I quickly found silver wheels, had it appraised and received a full insurance package with 100 buck deductible collision for less than 1/2 my company was charging me..

My fingers are crossed for you..

Ian.