Appraisal for total loss: rare car
I am located in Ontario. Drove a 2016 Porsche Cayman GTS (second highest trim), exceptionally factory optioned. Bought new in 2016; had been in an accident previously and repaired officially.
Was involved in another accident, I am 0% at fault. Likely it will be pushed to be totalled, although I am aiming for repair as I love the car and there’s nothing out there like it.
I think they will push for total loss and lowball me. These cars go for between about $60K (low trim) and $80K (my trim, or one rung lower). I have many more factory options (about $15-20K more) than every car being sold out there (there’s about 10 for sale nationally within a 2014-2016 time span). Only two negatives on my car: high mileage (for a sports car), and the prior accident (I’m not sure it matters or not).
Is hiring an appraiser worth it? And are there recommendations? I am talking a significant swing in what I think it’s worth (more than $80K) and what I think they will try to offer ($60K).