where to find a licensed appraiser to appraise my car.
13-Nov-2005, 10:34 PM
#1
Registered User
Thread Starter
Join Date: Jul 2005
Posts: 23
where to find a licensed appraiser to appraise my car.
Hey
Iam looking to get my car appraised for my insurance company. I have found a few appraisers in the yellow pages, some mostly deal with classics and muscle cars but other say they do newer and sportcomapact cars. I want an appraiser that knows what sportcompact or “done up” aftermarket car parts cost and what the cars sell for. I don’t want someone that only really knows what classics and muscle cars are worth, someone that can tell the difference between a stock and aftermarket bumper and so on.
Dose anyone know of an licensed appraiser that my insurance company will except that deals with sportcompact or “done up” cars
i asked my insurnace comapny about the appariser they didnt have a list of them they only said to get a licensed one
thanks
Iam looking to get my car appraised for my insurance company. I have found a few appraisers in the yellow pages, some mostly deal with classics and muscle cars but other say they do newer and sportcomapact cars. I want an appraiser that knows what sportcompact or “done up” aftermarket car parts cost and what the cars sell for. I don’t want someone that only really knows what classics and muscle cars are worth, someone that can tell the difference between a stock and aftermarket bumper and so on.
Dose anyone know of an licensed appraiser that my insurance company will except that deals with sportcompact or “done up” cars
i asked my insurnace comapny about the appariser they didnt have a list of them they only said to get a licensed one
thanks
13-Nov-2005, 11:43 PM
#2
Registered User
Join Date: Aug 2004
Location: Mississauga
Posts: 2,739
I got my appraisal done through Maurice Bramhall, my family has had him appraise all of our cars for the last 15 years, the 2 cars that got written off we got full value back from because of him. Heres his website
http://www.bramclassauto.com/appraisals.php
http://www.bramclassauto.com/appraisals.php
14-Nov-2005, 12:00 AM
#3
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
I recently got my car appraised from Automotive Appraisal. He is listed in the yellow pages. I did it for insurance purposes as well. He only charged $140 and he goes to where ever your car is located. Which isn't bad compared to most of the prices I've found. He says he is licenced so the reports can be used for insurance purposes.
In my opinion, he doesn't seem to know his stuff. For instance, he asked me what the value of my car is when I got it stock. I would think that an appraiser would know the value of a stock car. But I told him what I thought the value of my should be with the mods and that is what he put down. So it worked out in the end.
If you are in a rush to get the report, you might also want to ask how long it takes the appraiser to write one up.
xerman2001, what insurance company are you with man?
In my opinion, he doesn't seem to know his stuff. For instance, he asked me what the value of my car is when I got it stock. I would think that an appraiser would know the value of a stock car. But I told him what I thought the value of my should be with the mods and that is what he put down. So it worked out in the end.
If you are in a rush to get the report, you might also want to ask how long it takes the appraiser to write one up.
xerman2001, what insurance company are you with man?
14-Nov-2005, 12:15 AM
#4
Registered User
Join Date: Aug 2004
Location: Mississauga
Posts: 2,739
Originally posted by droppedatbirth
I recently got my car appraised from Automotive Appraisal. He is listed in the yellow pages. I did it for insurance purposes as well. He only charged $140 and he goes to where ever your car is located. Which isn't bad compared to most of the prices I've found. He says he is licenced so the reports can be used for insurance purposes.
In my opinion, he doesn't seem to know his stuff. For instance, he asked me what the value of my car is when I got it stock. I would think that an appraiser would know the value of a stock car. But I told him what I thought the value of my should be with the mods and that is what he put down. So it worked out in the end.
If you are in a rush to get the report, you might also want to ask how long it takes the appraiser to write one up.
xerman2001, what insurance company are you with man?
I recently got my car appraised from Automotive Appraisal. He is listed in the yellow pages. I did it for insurance purposes as well. He only charged $140 and he goes to where ever your car is located. Which isn't bad compared to most of the prices I've found. He says he is licenced so the reports can be used for insurance purposes.
In my opinion, he doesn't seem to know his stuff. For instance, he asked me what the value of my car is when I got it stock. I would think that an appraiser would know the value of a stock car. But I told him what I thought the value of my should be with the mods and that is what he put down. So it worked out in the end.
If you are in a rush to get the report, you might also want to ask how long it takes the appraiser to write one up.
xerman2001, what insurance company are you with man?
14-Nov-2005, 12:29 AM
#5
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
Well, I'm satisfied with the value that he wrote down even though he didn't seem very knowledgable. It should cover my car for the most part.
If you're looking for a knowledgeable appraiser I wouldn't recommend him. If you're looking for someone that is flexible with what goes down on paper then he should be all right.
If you're looking for a knowledgeable appraiser I wouldn't recommend him. If you're looking for someone that is flexible with what goes down on paper then he should be all right.
14-Nov-2005, 12:34 AM
#6
Registered User
Join Date: Mar 2005
Location: Toronto
Posts: 1,498
with getting an appraisal, if your car is modded and you don't tell your insurance, you would still only get back the value of the stock car right?
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
14-Nov-2005, 12:38 AM
#7
Registered User
Join Date: Aug 2004
Location: Mississauga
Posts: 2,739
Originally posted by alwaysoverkill
with getting an appraisal, if your car is modded and you don't tell your insurance, you would still only get back the value of the stock car right?
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
with getting an appraisal, if your car is modded and you don't tell your insurance, you would still only get back the value of the stock car right?
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
14-Nov-2005, 12:41 AM
#8
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
Originally posted by alwaysoverkill
with getting an appraisal, if your car is modded and you don't tell your insurance, you would still only get back the value of the stock car right?
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
with getting an appraisal, if your car is modded and you don't tell your insurance, you would still only get back the value of the stock car right?
like if you have $4000 mods to a $7000 car, insurance would not give you $11,000, you'd only get the $7000 if your lucky right? that is before they cancel you for mods and **** you over real good
I know with my insurance company that I must notify the insurance company of any "material change". I always thought insurance companies didn't care what mods you have unless you don't change the compression ratio of the car or anything to make your car go faster until I thoroughly read the paper that was signed at the time.
14-Nov-2005, 12:45 AM
#9
Registered User
Join Date: Mar 2005
Location: Toronto
Posts: 1,498
ya. i've been thinking of calling and asking theoritically, if i do coilovers, rear sway bar and racing seat, would i still be covered. i'm with statefarm and i've heard they are the worst for mods...thats why the call would be theoritically, hehe.
i've been thinking of appraisal because insurance are ****ers, would surprise me if they said my 1999 1.6EL is a $3000 car, i may call up some appraisers just to have the paper for the just in case.
i've been thinking of appraisal because insurance are ****ers, would surprise me if they said my 1999 1.6EL is a $3000 car, i may call up some appraisers just to have the paper for the just in case.
14-Nov-2005, 12:59 AM
#10
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
Yeah, ALWAYS go theoretical. When I call insurance companies for INFORMATION or QUOTES I always give fake names and address because it goes onto their database. If I like what I hear then I call them back with the real information.
It's not any good getting your car appraised without tell the insurance company. The insurance company would probably not look at the appraisal when you make a claim because they'll say that they didn't know about it. This goes back to my point where insurance companies want to be notified of material change. The catch is when you notify them they will properly cancel your policy because they don't want to insure a car that has been modified to change the engineering of a car. This applies to most insurance companies.
There are companies other that will insure modified vehicles and you can do whatever to your car. But you'll be paying a bit more in premium. I think paying a little more in insurance is not that big of a deal compared to giving an insurance company false information and having them cancel you when your are making a major claim.
It's not any good getting your car appraised without tell the insurance company. The insurance company would probably not look at the appraisal when you make a claim because they'll say that they didn't know about it. This goes back to my point where insurance companies want to be notified of material change. The catch is when you notify them they will properly cancel your policy because they don't want to insure a car that has been modified to change the engineering of a car. This applies to most insurance companies.
There are companies other that will insure modified vehicles and you can do whatever to your car. But you'll be paying a bit more in premium. I think paying a little more in insurance is not that big of a deal compared to giving an insurance company false information and having them cancel you when your are making a major claim.
14-Nov-2005, 11:59 PM
#11
Registered User
Thread Starter
Join Date: Jul 2005
Posts: 23
i have been with my insurance company for 6 years, it was called CIBC then CERTAS
iam not going to tell them or the appraiser about the lowering spings, no performance mods, only apperance mods. i dont have anything that would make it unsafe
iam not going to tell them or the appraiser about the lowering spings, no performance mods, only apperance mods. i dont have anything that would make it unsafe
15-Nov-2005, 12:29 AM
#12
Registered User
Join Date: Mar 2005
Location: Toronto
Posts: 1,498
Originally posted by xerman2001
i have been with my insurance company for 6 years, it was called CIBC then CERTAS
iam not going to tell them or the appraiser about the lowering spings, no performance mods, only apperance mods. i dont have anything that would make it unsafe
i have been with my insurance company for 6 years, it was called CIBC then CERTAS
iam not going to tell them or the appraiser about the lowering spings, no performance mods, only apperance mods. i dont have anything that would make it unsafe
15-Nov-2005, 04:44 PM
#13
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
Alwaysoverkill, I called State Farm yesterday. I got a pretty good quote from them if my car is stock. It's even better than Meloche Monnex with my group discount. But with my lowered suspension they wouldn't insure it. So I'm probably going to go with Facility, which is a high risk mark. I'm going to be paying a little more then what I'm already paying but I figure it's worth it in the end.
Just because a car is lowered does not mean it's unsafe. If I were to get my car certified again I properly pass with flying colours. Insurance companies view certain modification fitting the stereotype of racing. Regardless if it's on the track or the street. Insurance companies will not insure a car even if it is for track use.
Just because a car is lowered does not mean it's unsafe. If I were to get my car certified again I properly pass with flying colours. Insurance companies view certain modification fitting the stereotype of racing. Regardless if it's on the track or the street. Insurance companies will not insure a car even if it is for track use.
15-Nov-2005, 11:36 PM
#14
Registered User
Join Date: Dec 2004
Posts: 168
Insurance companies in Ontario have made their own rules, they dont accept modified cars anymore PERIOD, with some companies you might be able to get away with aftermarket wheels, put any "performance" parts, change any bumper etc and they find out you will be cancelled, your wasting your time by getting an appraisal. Once you hand that over to your insurance company you will be cancelled and good luck getting insurance after that. Another example of the failings of our moronic government.
15-Nov-2005, 11:39 PM
#15
Registered User
Join Date: Dec 2004
Posts: 168
Originally posted by droppedatbirth
Yeah, ALWAYS go theoretical. When I call insurance companies for INFORMATION or QUOTES I always give fake names and address because it goes onto their database. If I like what I hear then I call them back with the real information.
It's not any good getting your car appraised without tell the insurance company. The insurance company would probably not look at the appraisal when you make a claim because they'll say that they didn't know about it. This goes back to my point where insurance companies want to be notified of material change. The catch is when you notify them they will properly cancel your policy because they don't want to insure a car that has been modified to change the engineering of a car. This applies to most insurance companies.
There are companies other that will insure modified vehicles and you can do whatever to your car. But you'll be paying a bit more in premium. I think paying a little more in insurance is not that big of a deal compared to giving an insurance company false information and having them cancel you when your are making a major claim.
Yeah, ALWAYS go theoretical. When I call insurance companies for INFORMATION or QUOTES I always give fake names and address because it goes onto their database. If I like what I hear then I call them back with the real information.
It's not any good getting your car appraised without tell the insurance company. The insurance company would probably not look at the appraisal when you make a claim because they'll say that they didn't know about it. This goes back to my point where insurance companies want to be notified of material change. The catch is when you notify them they will properly cancel your policy because they don't want to insure a car that has been modified to change the engineering of a car. This applies to most insurance companies.
There are companies other that will insure modified vehicles and you can do whatever to your car. But you'll be paying a bit more in premium. I think paying a little more in insurance is not that big of a deal compared to giving an insurance company false information and having them cancel you when your are making a major claim.
16-Nov-2005, 12:04 AM
#17
Registered User
Join Date: Mar 2005
Location: Toronto
Posts: 1,498
thats brutal. I understand why, yet again a few dumbasses have ruined it for the rest of us (Street racing) but its brutal.
a prime example, I ask my statefarm agent, hey I got an alarm professionally installed, will my comp go down. nope dosen't matter, funny...I though an alarm made my car lower risk, its all about money and money only with insurance.
I'll just run my suspension and if an accident, i'll have to swap it back before insurance adjusted looks at it. its too bad things can't be done the honest way and i'm even willing to pay extra for that but they don't care i guess.
Thats where the appraisal comes in, whats this car worth stock...cause if something happened, thats the way they'd see it with tinted windows of course since that can't be taken off fast like susp
a prime example, I ask my statefarm agent, hey I got an alarm professionally installed, will my comp go down. nope dosen't matter, funny...I though an alarm made my car lower risk, its all about money and money only with insurance.
I'll just run my suspension and if an accident, i'll have to swap it back before insurance adjusted looks at it. its too bad things can't be done the honest way and i'm even willing to pay extra for that but they don't care i guess.
Thats where the appraisal comes in, whats this car worth stock...cause if something happened, thats the way they'd see it with tinted windows of course since that can't be taken off fast like susp
16-Nov-2005, 12:16 AM
#18
Registered User
Join Date: Aug 2004
Location: Mississauga
Posts: 2,739
Originally posted by MugenJDMCRX
Insurance companies in Ontario have made their own rules, they dont accept modified cars anymore PERIOD, with some companies you might be able to get away with aftermarket wheels, put any "performance" parts, change any bumper etc and they find out you will be cancelled, your wasting your time by getting an appraisal. Once you hand that over to your insurance company you will be cancelled and good luck getting insurance after that. Another example of the failings of our moronic government.
Insurance companies in Ontario have made their own rules, they dont accept modified cars anymore PERIOD, with some companies you might be able to get away with aftermarket wheels, put any "performance" parts, change any bumper etc and they find out you will be cancelled, your wasting your time by getting an appraisal. Once you hand that over to your insurance company you will be cancelled and good luck getting insurance after that. Another example of the failings of our moronic government.
16-Nov-2005, 11:49 AM
#20
Registered User
Join Date: May 2005
Location: Brampton
Posts: 655
Originally posted by MugenJDMCRX
where are these companies that accept mods for a higher premium? im pretty sure thats not true
where are these companies that accept mods for a higher premium? im pretty sure thats not true
Call a broker and ask for Facility. They're the number one insurance company for high risk drivers (modded cars belong to this category).
I've heard Dominion, Perth and Pembridge might insure modified vehicles. But they will only insure a vehicle to a certain extent.
