New York · Chubb · 2021 Rolls-Royce Cullinan
How a New York 2021 Rolls-Royce Cullinan valuation changed by $70,750
A New York driver received an initial Chubb total-loss valuation of $238,000 for a 2021 Rolls-Royce Cullinan. After the vehicle, valuation inputs, and market evidence were reviewed, the documented result amount was $308,750—a difference of $70,750.
Case summary
- State
- New York
- Insurer
- Chubb
- Vehicle
- 2021 Rolls-Royce Cullinan
- Insurer's initial valuation
- $238,000
- Documented result amount
- $308,750
- Difference
- +$70,750
What required a closer review
The public case description says bespoke options worth more than $40,000 were missed. Publish that figure only when the vehicle specification and valuation records support it.
How the valuation was examined
Describe the verified review of the Cullinan’s factory or bespoke specification, the chosen comparable vehicles, and any supported option adjustments. Do not disclose the owner’s identity, exact build identifiers, or private purchase documentation.
The documented result
The insurer's initial figure was $238,000. The verified result amount was $308,750, producing a $70,750 difference.
What this case illustrates
For highly customized vehicles, value cannot be assessed responsibly without understanding which features are common, which are bespoke, and how the market treats them.
Disclosure
This case is based on a real AutoACV matter. Identifying details have been removed. Results depend on the vehicle, policy, evidence, market, and claim process; this example does not guarantee a similar outcome.