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Do insurance companies only value vehicles based on non-certified comparable models?

My BMW was deemed a total loss and the assessment I got from my insurance company is based on non-certified vehicles. Do all insurance companies use non-certified vehicles for value comparison? The comparable cars are all cheaper than certified vehicles from a dealership.

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
Car insurance
 companies determine value using the actual cash value of a vehicle, which is the original price minus depreciation. Whether a vehicle is certified or not doesn’t often impact the value of the vehicle.
When dealerships say that a vehicle is certified, they normally are including extras like extended warranties or inspections that are dealer-specific. The vehicles that your insurance company are using for comparison match the pre-accident condition of your vehicle.
This would not include any extras from a dealership. Your insurance company would also follow the same process if you have
new car replacement coverage
.
You could always do your own comparison shopping with dealerships. If you feel that your insurance company isn’t offering a fair value for your vehicle, you can try to negotiate with them. “
Car Insurance
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