How do we value our cars?

It has been my experience that without an appraisal...done by a recognized appraisal company recognized by the insurance company..that the car will be valued just like an old car...essentially nada regardless of what you think it is worth and have told the insurance broker what you think it is worth. ... or in the words of an old teacher of mine ".. if you don't got it in writing, you don't got it at all".

I see that you are from the states and hope this isn't the case. I am hoping that this isn't an expensive lesson..

Good luck.