Comparable-vehicle software built for mainstream Texas vehicles frequently has no accurate comparable data at all for rare luxury and exotic vehicles common in Highland Park — which means the resulting valuation is often little more than a rough guess dressed up as a number.
When an insurer's software has few or no true comparables for a specific make, model, and trim, it frequently falls back on broader vehicle categories or generic depreciation curves that have little to do with the actual market for that vehicle. This is a common problem on lower-production luxury and exotic vehicles, where a proper valuation requires pulling data from specialty dealers, auction results, and enthusiast marketplaces rather than mainstream used-car listing sites.
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