FAQs – Auto Appraisal Network of North Texas
Auto Appraisal Network of North Texas – Frequently Asked Questions
1. What is an auto appraisal?
An auto appraisal is a certified evaluation of a vehicle’s true market value. Our North Texas-based appraisers consider condition, mileage, options, upgrades, and current market trends. There are different types of reports required for different purposes such as total loss, diminished value, agreed or stated value insurance, divorce and bankruptcy and fair market value.
2. When do I need an auto appraisal?
You may need a professional vehicle appraisal in Dallas/Fort Worth for:
- Total loss insurance claims – if your car has been totaled, we can document its true pre-accident value and help negotiate a fair settlement.
- Diminished value appraisals – after an accident, even with perfect repairs, your car’s value may drop significantly.
- Fair market value or Agreed value car appraisal – helpful for buying, selling, or trading in a vehicle.
- Divorce– accurate documentation ensures fair division of assets.
- Estate settlements- Valuations and documentation for vehicles inherited through an estate.
- Classic, custom, or collector car valuations – to document appreciation, modifications, or restoration costs.
3. What is a diminished value appraisal?
A diminished value appraisal shows how much your vehicle has lost in market value after an accident, even if fully repaired. Insurance companies often make low settlement offers, especially on high-end vehicles. Our Nashville appraisers provide certified reports you can use to pursue the difference from the at-fault party’s insurance. The next step is simple: contact us, and we’ll guide you through filing and supporting your claim.
4. Do I need an appraisal after a total loss?
Sometimes. Insurance companies frequently undervalue totaled vehicles. A certified total loss appraisal proves your car’s true pre-accident value and gives you leverage to negotiate a higher payout.
5. How is the value of my vehicle determined?
At Auto Appraisal Network of North Texas, we go beyond generic guides like Kelley Blue Book, NADA, or Edmunds car value. Our appraisers combine:
- Recent comparable sales in Texas and nationwide
- Vehicle condition and service history
- OEM equipment and upgrades
- Verified market data and industry valuation guides
Our detailed reports are far more accurate than online estimates and are widely accepted by insurers, attorneys, and courts.
6. What areas do you serve in North Texas?
We proudly provide auto appraisals in Dallas County, Tarrant County, Collin County, Denton County, Rockwall County and surrounding areas. We offer in-person inspections within our service area and may travel further depending on your needs—just ask.
7. How long does the appraisal process take?
Most appraisals are completed in 7–10 business days. Here’s what to expect:
- Vehicle inspection takes about 45–60 minutes (photos, documentation, condition review).
- Our processors research comparable sales and verify market data.
- A certified appraisal report is then assembled, bound, and mailed to you.
8. How much does an appraisal cost?
Fees depend on the type of appraisal—classic, custom, diminished value, estate, or second-hand car valuation. We provide a quote upfront, but typical appraisals range from $300 to $600. For total loss and diminished value appraisals, we offer a free initial assessment.
9. Will my insurance company accept your appraisal?
Yes. Our certified appraisal reports meet industry and legal standards. While insurers may push back, our detailed documentation provides the leverage you need to fight for a fair settlement.
10. What is agreed value insurance?
Agreed value insurance is a policy designed for vehicles that are worth more than their standard “book value.” Instead of covering only the typical $1,000–$1,500 limit allowed by most standard policies for upgrades, an agreed value policy insures your car for its true replacement value. This is especially important for classic cars, exotic vehicles, and cars with aftermarket modifications or customizations.
10b. Is my lift kit or other modifications automatically covered by insurance?
No! Any modification to your vehicle over $1500 needs to be documented, usually with an appraisal, in order for your insurance to cover it in case of an accident. This includes lift kits, upgraded suspension, wheels, custom bumpers and grills, tonneau covers, spray-on bed liners, and cold air intakes.
11. Why should I get my car appraised for insurance purposes?
If your vehicle is more than just a stock late-model and holds a value higher than its Kelley Blue Book estimate, your insurance company will require an appraisal to insure it for the full replacement cost. A certified appraisal documents your vehicle’s replacement cost, allowing you to secure an insurance policy for that full amount. That way, if your car is damaged, totaled, or stolen, you’re properly covered for its actual value—not a depreciated estimate.
12. Will my agreed value policy automatically adjust for market value changes or upgrades?
No. Once your agreed value policy is written, the coverage amount is locked in. To keep your policy accurate, we recommend a new appraisal every two years—or anytime you’ve added more than $1,500 in upgrades. Common updates include engine work, new upholstery, technology upgrades, custom bodywork, or a fresh paint job. Regular appraisals ensure your investment stays fully protected.
13. Can I use your appraisal in court or with an attorney?
Absolutely. Our reports are court-admissible and frequently used in divorce cases, probate settlements, and property disputes in Dallas/Fort Worth and throughout North Texas. We can appraise nearly any type of vehicle—classics, customs, late-model cars, second-hand cars, motorcycles, RVs, boats, and luxury vehicles.
14. What’s the difference between your appraisal and Kelley Blue Book, NADA, or Edmunds Car Value?
Online tools like KBB, NADA, or Edmunds car value provide generic estimates. Auto Appraisal Network’s certified appraisals are tailored to your exact vehicle—its upgrades, modifications, mileage, and current market conditions—making them far more accurate for insurance, legal, or resale purposes.
15. How do I get started?
It’s easy:
- Call us at (469) 297-3350
- Fill out our online form
- Email us at TonyA@autoappraisalnetwork.com
We’ll respond quickly, discuss your needs, and walk you through the next steps.
Auto Appraisal Network of North Texas is an independent car appraisal company. We appraise classic and custom cars, trucks, motorcycles and boats for diminished value, total loss claims, fair market value, legal matters, and financing. Whether you have 1 car or an entire collection, we’ll take care of you by providing the most accurate, comprehensive and certified appraisal report in the US. Get in touch with us today to schedule your appraisal.
