In article >,
Robert11 > wrote:
>When we "negotiate" with the insurance company, which valuation for the car
>should we use as a guideline ?
>
>e.g., some of the sites show values listed as: "trade in value", "value for
>a private sale," or... ?

Retail + sales/use tax + pro-rated license.

I.e. you should get what would (theoretically) replace the car with a
similar one (in terms of make, model, options, condition) from the used
car market.

Valuation may not be so simple, though, since there can be disagreement
based on condition, or finding comparable cars for sale or recently sold
on the used car market for rare models or options (though the latter is
unlikely for a fairly new Accord).

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Timothy J. Lee
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