Every Car Has a Story: Decoding the Auto Appraisal Industry

When it comes to understanding what your car is really worth, not all appraisals are created equal. That’s the message from Eric Bridges of Auto Appraisal Network–Houston, TX and David Bregoli of Auto Appraisal Network–Charlotte, NC, who recently joined the Kortex Media Podcast to pull back the curtain on the misunderstood world of auto appraisals.

Whether you’re a collector car owner, dealing with an insurance claim, or curious about what it takes to succeed in this industry, Eric and David share insights you won’t hear from insurance adjusters or generic valuation tools.

Why Insurance Adjusters Aren’t Auto Appraisers

One of the biggest misconceptions car owners face is believing that the insurance company’s adjuster is working in their best interest. Eric and David explain that insurance adjusters are paid to minimize payouts, while independent appraisers are hired to document and defend a vehicle’s true value.

What a Real Car Appraisal Looks Like

According to Eric and David, too many “appraisals” in today’s market amount to little more than a one-paragraph summary. In contrast, Auto Appraisal Network produces 25–47 page reports, filled with:

• Hundreds of high-resolution photos
  
  
• Paint thickness measurements
  
  
• Documentation of upgrades and modifications
  
  
• Detailed notes from hands-on inspections

That level of detail provides leverage in disputes with insurers and ensures classic cars, custom builds, motorcycles, and even specialty vehicles like historic fire engines are properly valued.

The Human Touch vs. Technology

While drones, AI, and digital tools are reshaping the appraisal field, Eric and David insist technology can’t replace experience and transparency. “Photos and option decoding matter, but so does looking a client in the eye and explaining the story behind the value,” says Bridges.

Inside the $2.6 Billion Insurance Appraisal Sector

During the podcast, David pointed out a frustrating truth: while insurance companies reported $2.6 billion in profits last year, policyholders are still expected to pay their full premiums every month—only to be offered the bare minimum when it’s time to file a claim. That’s where Auto Appraisal Network steps in. By documenting every detail through certified appraisal reports, Eric and David help car owners prove their vehicle’s true value and fight for the payouts they deserve.

But succeeding in the appraisal industry isn’t easy. Eric and David shared candid stories about the realities of breaking in—from navigating licensing requirements to finding mentors and building a reputation in a crowded field. According to them, lasting success demands:

• Thick skin when insurance companies push back
  
  
• Honest communication with vehicle owners who are counting on you
  
  
• Flexibility and humility to thrive in a competitive business

“$2.6B in profits for insurers, minimum payouts for drivers. Independent appraisers like Eric Bridges & David Bregoli level the playing field with detailed, certified reports.”

Lessons for Car Owners & Aspiring Appraisers

From diminished value battles to adventures in rare classics, Eric and David emphasize that every car has a story—and a true value to be uncovered. Their advice is simple:

• Car owners: Don’t settle for surface-level reports. Demand detailed documentation if you’re dealing with insurance or protecting a collector car investment.
  
  
• Aspiring appraisers: Be prepared to put in the work. The job is about more than checklists—it’s about trust, accuracy, and reputation.

Listen to the Full Podcast Episode

Want to hear all the stories, from rare motorcycles to David’s experiences in Charlotte car shows? Watch the full conversation here:
Every Car Has a Story: Eric Bridges & David Bregoli Decode the World of Appraisals

Connect with Local Experts

If you’re in Houston, TX or Charlotte, NC and need a certified auto appraisal for an insurance claim, diminished value, total loss, or classic car valuation, reach out to:

• Eric Bridges – Auto Appraisal Network of Houston
• David Bregoli – Auto Appraisal Network of Charlotte

For nationwide services, visit Auto Appraisal Network to connect with a professional near you. Interested in opening an Auto Appraisal Network in your area? Call (888) 269-1120 to learn more. 

Auto Appraisal Network - Charlotte specializes in appraisals for classic, custom and collector vehicles, including cars, trucks, SUV's, motorcycles, boats and personal watercraft.  We do appraisals for insurance policies and claims, such as diminished value and total loss, probate, bankruptcy, divorce, financing, fair market value and pre-purchase inspections. 

Our appraisals are certified and accepted by the legal system, insurance companies and financial institutions. When you need an accurate, fair assessment of the value of your ride, you need Auto Appraisal Network - Charlotte. Call (704) 703-4801 to schedule your appraisal today.