Originally Posted by JustAnotherRed993

not to worry...won't happen like that. The only time adjusters refer to NADA or KBB is when they are trying to get an idea if the threshold is getting close to totalling the car vs. repairing. (but it's not important to think about that right now)

If/when the time comes to settle a total loss claim on your 993...the insurance company will have to come up with comparable vehicles that are currently for sale in the market in order to determine the fair market value (ACV/actual cash value).

You can do this also...and there is no time like the present to start...for all of you guys.

So...here's the first blanket recommendation.

Go to Cars.com & Traderonline.com...do the search for 993's both locally and nationwide. Print out a good portion (if not most) of the ads (there is a link for a one page printable version on the sites) and keep a file. Then...when your car is totalled...not only will you have the current vehicles for sale...but you will also have a historical record of what 993's have been selling for if/when you ever need to present this info to your adjuster for ACV purposes.

Do this on a periodic basis (every couple weeks or so) and when the time comes...you'll have waaayyyyyy more comps than the adjuster will ever come up with and it'll be better ammo than you think.

What not to do?.....don't just copy the highest $$$ ads (the adjuster will be able to see right through this...copy them all...even the lowest $ ones. The reason for having the low end comps is because I found that some of the low $ cars...with minimal research...have reasons for being low $ cars. You'll have the comps...and most likely you will be able to explain why they are selling for less.

Also...to earn extra bonus points with your adjuster...make sure you have the ad's that people have placed with absolutely unrealistic asking prices...we've all seen them...this way...you can paint yourself as a reasonable "insured" where you can be the one to point out to the adjuster that there are in fact people that do want toooo much for their car...but you aren't one of them and that you just want the correct/fair value.

When it gets down to brass tacks...there is still a "range" that your vehicle will fall into as it is truly impossible to nail the value down to an EXACT figure...this is where respect and "being nice to your adjuster" can be helpful.

for example...let's say as an adjuster I can document a car at 35k and substantiate it...or at 37k...If you were a PITA insured...which end do you think you may have a better chance of falling under?

hope this helps.

Originally Posted by JustAnotherRed993

Oh...and how in the hell do I find the lounge Alan? There must be a hidden door somewhere or something.