Insurance Appraisals
Insurance-related vehicle appraisals help ensure your vehicle is properly documented, accurately valued, and fairly represented when working with an insurance company. At Motorcars of Western New York, Inc., we provide independent insurance appraisals designed to clearly establish value and reduce uncertainty during the insurance process.
Whether you are setting coverage, reviewing a claim, or simply want proper documentation on file, an insurance appraisal provides clarity and confidence.
Learn More About:
Insurance Appraisals
Sales Appraisals
Total Loss Disputes
Why an Insurance Appraisal Matters
Insurance values are often based on generalized data that may not fully reflect the true market for enthusiast, specialty, or well‑maintained vehicles. An independent appraisal helps bridge that gap by documenting the specific details that make your vehicle unique.
Common reasons clients request insurance appraisals include:
Establishing agreed or stated value coverage
Supporting a total loss or disputed valuation
Documenting condition prior to a claim
Clarifying value for specialty or modified vehicles
Peace of mind knowing accurate information is on file
An appraisal creates a clear reference point should questions arise later.
Contact us to speak to an IAAA certified Appraiser today.
Types of Insurance Appraisals We Provide
Our insurance appraisal services are tailored to the situation and the vehicle involved, including:
Agreed Value & Coverage Appraisals – Supporting proper insurance coverage
Total Loss Appraisals – Independent opinions of value following a loss
Disputed Value Reviews – Second opinions when numbers don’t seem to align with the market
Diminished Value Documentation – Evaluating loss in value after a repair
Specialty & Modified Vehicles – Cars that don’t fit standard insurance models
Each appraisal is completed with the intended insurance use in mind.
Contact our Team to determine your vehicle’s value.
Our Approach to Insurance Appraisals
We take a practical, market‑based approach that focuses on how vehicles are actually bought and sold.
Depending on the assignment, this may include:
Vehicle identification and option verification
Physical inspection or detailed records review
Condition assessment relevant to insurance use
Market research using comparable vehicles
Clear written explanations supporting the value conclusion
Our reports are designed to be easy to understand for both vehicle owners and insurance professionals.
Need a vehicle inspected? Sit back and let us do the legwork.
Experience with Enthusiast & Specialty Vehicles
We regularly work with vehicles that fall outside the “average” car profile — including classics, collector cars, performance vehicles, and carefully maintained enthusiast vehicles.
This experience allows us to properly account for factors such as:
Desirable options and configurations
Low mileage or exceptional condition
Modifications and upgrades
Limited production or niche market demand
These details are often overlooked in standard insurance evaluations.
Is your vehicle critically damaged from an accident? We can help with insurance negotiations.
What an Insurance Appraisal Can (and Can’t) Do
An insurance appraisal provides an independent opinion of value and supporting documentation. While it does not guarantee a specific outcome, it gives all parties a well‑supported reference point grounded in the current market.
Many clients find that simply having accurate documentation in place leads to smoother conversations and clearer expectations.
Get Started
If you’re considering an insurance appraisal or would like to discuss whether one makes sense for your situation, we’re happy to help.
👉 Request an Appraisal to begin, or contact us to discuss your vehicle and insurance needs.