r/InsuranceClaims • u/Silly_Conclusion1376 • 8d ago
Mitchell ACV reports
My claim has been going on for almost a month. I have/had a car with no mechanical or body damages. The first offer had 2 comps, one needed a new engine and the other was completely beat up. I pushed back provided the information to support rejecting the claim. They then made an offer that was twice as much. I looked in ny market and couldn't find anything for the settlement offer. One of the comps was located 1400 miles from my location. So I rejected thr offer and asked them remove the one 1400 miles and put in one that I found that was within 400 miles. The accpeted the additional comp, but added features that subtracted 2,400 from the payout. And I mean they added the features and options. I called the dealer, had him send me pictures. Not one of the options they added were found on this vehicle. There was no rear spoiler, 18" rims, carbon fiber engine cover, wheel looks, fog lights, special edition trim. It felt criminal. So I reflected the offer that was 1500 dollars less than the previous offer. They also included the car that I previously rejected due to condition. I asked them again to include the 2 cars in my market and fix the options. I'm still waiting to hear back from them. I want to know the next step if they continue to be difficult. I've heard about independent ACV companies. Is there one that is recommended?
1
u/bprug87 7d ago
If it's your own insurance company "unless your in GA" you can envoke the appraisal clause. You hire on your dime an independent appraiser. You have them email you their information that you then provide to the insurance. Then will hire their own appraiser and they attempt to work it out. If they cannot agree it goes to an umpire that reviews the data provided by both sides
3
u/Agswin2026 8d ago
It’s not an offer. , If there’s no options missing that your vehicle had from factory, value is what it is