Lonny Moore's Collision Repair

ACV is determined by an appraiser assigned by the insurance company who will inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. The owner should also determine the value independently.

If you feel that the ACV offered by the insurance company is too low, then you are obligated to prove this either though documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.