State Auto Insurance Company guidelines for Independent Appraisers. 1. A COPY OF THE ESTIMATE MUST PROVIDED TO THE SHOP AND THE OWNER!!! 2. All mileage outside the agreed upon included mileage, must be pre-approved by State Auto. 3. DO NOT FAX OR MAIL ANY PAPERWORK TO STATE AUTO, IT MUST BE UPLOADED THROUGH SCENE ACCESS. 4. An agreed price should try to be reached with the customer’s shop of choice; if not, it needs to be indicated on the inspection report. 5. Photos must be supplied on all appraisals. A minimum of 3 photos of the damaged area and 2 of the opposite corners. 6. In any instance that a vehicle is a borderline Total Loss, Photos of all four corners, interior, and any damaged areas, must be supplied. Use of OEM parts: Current model year and two years back. LKQ/USED and A/M to be used on vehicles older than 3 model years, with LKQ being searched for prior to writing A/M. A/M to include CAPA sheet metal, lamps, grilles, headers, bumper covers and reinforcements, A/C Condenser & Radiators, Wheels and covers, etc. Use only new OEM or aftermarket for any brake, steering, suspension or safety item. Total Loss Handling: Must provide condition report and CCC form when repairs exceed 50% of NADA book value. All betterment items listed are guidelines, condition, geographical area, state law, and age are to be factored in when necessary. Please list reasons if guidelines are deviated from in the comments section of the estimate or your appraisal report. Depreciation/Betterment Guide 1. All mechanical or moving suspension parts 100,000 miles 1 per cent per 1000 miles over 40,000 miles, maximum 75 percent 2. Battery: Based on warranty. 3. Brakes: Shoes and Pads; Avg life 50,000 miles, dep at a rate of 2% per 1,000 miles. Drums and Rotors; Avg life 75,000 miles, dep at a rate of 1.5% per 1,000 miles. 4. Upholstery: Carpet & Tops: Avg life 10 years, depreciate at a rate of 10 % per year, max of 75% after the 3 years of age. Condition of items may warrant more or less depreciation. 5. Convertible Top: Average life 10 years, dep at a rate of 10% per year, max of 70%. 6. Engine: Gas; Avg life 150,000 miles, max 75 percent. Diesel: Avg life 200,000 miles, dep 1% per 2000 miles, max 75%. (An engine that is well maintained can have a longer life. However, maintenance records should be obtained prior to considering depreciation.) 7. Exhaust System: Average life 8 years, depreciate at a rate of 15% per year, max 50%. No depreciation on stainless steel exhaust. 8. Paint: Avg life 10 years, dep at a rate of 10% per year, after the first year. (On complete refinishing only). Max 75%. Condition of items may warrant more or less depreciation. 9. Sheet Metal, Grilles, Bumpers, Hard Trim, ETC: Depreciation will be taken on RUST and OLD DAMAGE. (This is a Judgment call 25% to 100% depreciation is an acceptable range ). 10. Stereo and Sound Equipment: Avg life 10 years dep at a rate of 10% per year, max 70%. 11. Tires: By depth of tire.
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