2012 Land Rover Range Rover Sport Supercharged
56,000 miles, clean title with no accidents
This vehicle in question was deemed a total loss by insurance company after a hail storm in Pennsylvania.
I was provided a CCC One report with an evaluation. Price given was $10,362 with a $1,147 condition adjustment for a total of $11,509 (excluding vehicular tax of $865). "Condition adjustment" is strictly for cosmetic/mechanical, NOT mileage.
COMP #1
2012 Range Rover Sport HSE – 127,000 miles
Price List $9,995 Adjusted comp $9,996
COMP #2
2012 Range Rover Sport HSE – 102,000 miles
Price List $9,995 Adjusted comp $11,086
COMP #3
2013 Range Rover Sport HSE – 155,000 miles
Price List $9,525 Adjusted comp $11,078
They are using comps with double to triple the mileage as mine and saying these are a fair comparison. They are not giving me a mileage price adjustment for my vehicle having 40,000 – 100,000 LESS miles than their comps. They used lower cost HSE models and not Supercharged variants.
I was told to submit a list of comps that I thought were comparable (of which I did, 14 to be exact with similar mileage) that were priced $14,500-$18,500. Zero of my comps were accepted and none were used.
I was told Pennsylvania has strict laws that limit the search distance to 100 miles from the owner's zip code and they are not allowed to provide mileage price adjustments from the comparables.
Would invoking a third party appraisal clause even do anything if there aren't any comps with similar mileage within a 100 mile radius? They are no comparable vehicles within a 100 mile radius with under 100k miles when I search on multiple different sites.
Am I getting screwed? Unfair evaluation on total loss vehicle
byu/MrHardy8162 inInsurance
Posted by MrHardy8162
3 Comments
Keep pushing back that they are not the same car.
see if they can correct to the proper model, if they havent already in the comps. if not appraisal clause. but understand, its a 13 year old range rover, supercharged and low mileage or not its not gonna be worth tons more.
for the heck of it i went onto nada and about 10k is what its worth. maybe you can eek out 12k. im in NJ where car prices are considerably higher than most areas
Your “comps” were listed cars weren’t they?
Not sold car…