Most states do not use Blue-book. It adds other charges to the value of the vehicle that should not be included in the value like dealer prep charges. In my state we use the N.A.D.A. value. If the person is disputing the value then you can do a market search thru www.autotrader.com and find similar vehicles with the same options and mileage. Also, if you have any prior damage to your vehicle it could also impact the value, as well.
2007-08-02 14:11:39
·
answer #1
·
answered by ANDREW L 3
·
0⤊
0⤋
Kelly Blue book is used only by used car dealers. Most companies use NADA or ADP for a baseline guide. They SHOULD pay actual cash value (or local market value) of your vehicle. Check local papers, websites and used car lots and list all the CRV's as much like yours as possible. Keep contact numbers and prices and compare them with the offer you were given. If it is indeed low, tell the adjuster. USAA is a stand-up company and there is no advantage to low-ball an offer to you.
2007-08-02 14:19:34
·
answer #2
·
answered by Anonymous
·
0⤊
0⤋
Well, you need to look at SEVERAL values - Blue Book private party sale, www.kbb.com private party sale, and what the local newspapers have for private party sales. You're NOT going to get "retail" for the car.
Insurance companies subscribe to a service that colates all these sources - including most major newspapers - so they can get an "average sale value" for cars, IN YOUR AREA. Sometimes the number is negotiable - but you're NOT going to get an extra $4,000 (more than 25%!).
Plus, USAA in my experience is usually pretty fair.
2007-08-02 14:30:05
·
answer #3
·
answered by Anonymous 7
·
0⤊
0⤋
They won't give you dealer retail, but actual cash value, roughly the private party value...but KBB tends to overstate real world value. Talk to USAA...they may have incomplete info. When my car got smashed I explained the Borla exhaust, car starter, new tires (1 week old) and built in satellite radio..they upped their offer quite a bit.
2007-08-02 14:54:25
·
answer #4
·
answered by Anonymous
·
0⤊
0⤋
Negotiate. Use the book, newspaper ads, etc to support your claim. Submit copies of service records showing maintenance and low mileage, and you can support asking for a higher payout. They always will offer less than they will pay, you have to ask for more than you are willing to accept, and hopefully come to an agreement.
2007-08-02 17:33:52
·
answer #5
·
answered by Fred C 7
·
0⤊
0⤋
Look in your local paper and on places like http://www.craigslist.org
http://www.autotrader.com
for similar vehicles in your area, insurance companies will always try to pay the minimum amount. What you need to show your insurance company, within reason, what similar vehicles to your own are selling for.
If you can prove your vehicle is worth more, they should be able to pay you more. Insurance companies will typically pay you for the "replacement" value rather than the full blue book value for your car.
2007-08-02 11:32:04
·
answer #6
·
answered by hsueh010 7
·
0⤊
1⤋
Thank you for calling. Your timing is perfect because I was just released from the hospital. A heart attack really focuses your thinking. I need some life insurance, right away.
2016-05-21 03:37:02
·
answer #7
·
answered by ? 3
·
0⤊
0⤋
Thats unacceptable, show them that your car is worth more and demand that they pay more.
2007-08-02 12:32:24
·
answer #8
·
answered by pNCskate 3
·
0⤊
2⤋