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What You Should Know > Actual Cash Value
This form of coverage is typically provided by standard auto policies. The insurance company claims adjuster ultimately decides what your collector car is worth at the time of the loss.
While you may have some input, if you do not agree with the claims adjuster, the insurance company claims adjuster decides the final claims settlement.
If you do not agree with the claims settlement, you may have no alternative but to seek legal action, or, if specified in the policy, arbitration.