How can you determine sentimental or collectors value of a wrecked or totaled car?
The value of a collectible car can be determined by a recognized expert, like a well established historic car dealer. The car you mentioned is not old enough, and the expert opinion would normally have to be rendered prior to the loss (which owners of actual collectible cars routinely do). Sentimental value can not be determined, as it is subjective. The responsibility of all insurance is to indemnify the insured, that is, it should return the loss victim to the point prior to the loss. Unless your policy explicitly excludes peripheral values, your insurer would thus be obliged to pay the replacement value of the car. If the availability is poor because of limited numbers, you may have a lever. LOOK for a replacement that is offered for sale. If there are any, the insurer is liable for the offered replacement value, even if it is higher than they expected. If none are offered, ask the adjuster to find you one and give you enough money to pay for it. If he cannot find one due to rarity,
