the appraisal can give a lawyer a starting point from which to fight the insurance company. NADA and Kelly Blue Book all have average, good, excellent ++ pricing. the insurance guys like to say your car is
"average" and low ball you. it's unfortunate, but there are many
stories of people getting screwed over by the insurance guys. they
are very happy to take your money in the form of premiums, but
not so quick to pay out. that's the nature of their business.