I can't say why he didn't tell you to get an appraisal, Maybe he doesnt know
how much money you put into it? Did he put it on a Stated Value policy? Maybe
he doesnt think it is worth all the money.
I am not trying to say bad things, he just may not have been thinking about it.
Realize insurance company's (not the agents) are a business if they can get
away with offering you $1500 for a car you have $10,000 into, they are going to
try. Never be satisfied when you have a claim with an insurance company's first
offer.
That is why it is your responsibility to prove the value of these vehicles.
I think it would be great if guys like Les Cannaday, Mike Young, Mike Kerr or
Ross Mullins did appraisals it would also help their businesses.
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