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What value do you insure my vehicle for?

We insure most private passenger cars and trucks for their actual cash value up to a $50,000 limit. If your vehicle's actual cash value is more than this limit, you can buy extra insurance from any insurance broker to cover the extra value.

How does my adjuster assess my vehicle's actual cash value?

First, we examine your vehicle carefully, noting its overall condition, mileage, rust, old damage, the condition of the paint and so on.

Next, we get a market appraisal of your vehicle through one or more independent sources. The appraisal considers the condition of your particular vehicle and its options.

Finally, we'll consider any recent repairs that have increased your vehicle's market value.

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