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I know about Hagerty since three of mine are with them. However, the F-Type wasn't a garage queen, so it and the X-type were with the current carrier.
Proble is they aren't even using book value. They think base automatically are comparable vehicle and rejected the on manual in California as an outlier, nevermind that it was the ONLY 2016 manual when I looked...
I saw the car up close and personal yesterday. It was worse than the Copart pics showed. And, having driven past the area on Monday where it happened, I wad apparently bouncing off and over boulders.
I confirmed jaws of life were used yo get me out. Passenger side door opened okay. I had the slider for the moonroof closed but it was apparent i bounced it off a large rock that pushed the glass near the top of the seats.
The side curtain airbags popped and I can't rule them out as the cause of my left side injuries.
They had already cut the battery cable, so I don't know it is would have started up. Shift mechanism fell good and aside from dirt and glass, much of the interior still looked intact.
If anyone decides to bid, please let me know and I will answer what I can. It will be a bit since it cannot go for sale until insurance and I are done and they have the title and other keys.
By way of a long overdue update, I've been back at work since late October. Still have the occasional twinge in the shoulder, but I'm managing...
Title went out to the insurance carrier in December and Copart has the auction set for tomorrow. I didnt look close enough to see if its online followed by live auction or if it is a one-day roll-through.
I got screwed by Liberty Mutual on the valuation. They offered their mediation process but I've got no faith in anyone connected with them at this point. I'd rather take the funds I would have spent hoping for another $10K and put them towards the next vehicle. They refused to consider BAT or other auction sites and wouldn't consider the TWO manuals I located elsewhere.
I still have my X-Type and XK-8, so I won't be abandoning the forums. But since Jaguar abandoned those of us who prefer manual and ICE, my next vehicle has been ordered from Ford, specifically a 2dr Bronco Badlands with the 7spd manual. It is hopefully being built next week unless the date changes again...
Multiple sources online.. Kelley BB,etc. provide this explanation:
"If the insurance company declares your car a total loss, they will reimburse you for the fair market or book value of the vehicle immediately before the loss occurred, minus your deductible and any other fees.
Insurance companies “total” a car when the cost to repair the damage exceeds the vehicle’s book value at the time of the crash.
“Book value” is another way of saying “market value.” For instance, Kelley Blue Book closely monitors the automotive market, keeping track of what every make and model currently sells for as it ages. Whatever the actual cash value is at any given time is its book or market value."
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If you are insured with a company that uses 'book value' for your F, best to find out exactly what that value is. I just 'valued' my 2017, Premium F, 6 cyl, manual trans, Vision Pack, Panoramic roof, 43K miles and NADA came back at $28,000. I moved the F to Hagerty coverage for an agreed value of $48,000. Same coverage and premium was less for that and our 2018 Corvette (Agreed Value $50,000). Perhaps not for everyone as you have to have another car available for use, and mileage not to be more than 3500-7500 yearly.
One MAY be able to find comparable sales for more money than 'book', but that's a crap shoot.
Unfortunately not all 50 states use the percentage to value ratio when it comes totaling cars.
OUCH! Sorry to hear about your misfortune and the total loss of your Jaguar but glad you're doing alright. From the look of the car and sound of the accident it made me think of the Aston Martin DBS crash scene from the James Bond film Casino Royale.
It's looking to me like many if not all the insurers are using whatever guy at whatever Copart lot is closest as "their" appraiser, it's a function they no longer have to pay for themselves. I expect the entry threshold for that job is low and that individual is well aware of his employer's expectation of a low-ball. Liberty-Bibberty's position is also as expected since one only pays for what they need, and gets what they pay for. A decent insurer would allow reasonable comps to be factored in to a valuation (USAA did for me), but you are correct that the juice isn't worth the squeeze when you must sue.
Sadly for a low volume car like the f type you are better having an agreed valuation with your insurance company. Mine does that each year so if anything should happen there is no debate on the value.
