As far as I understand it, you've already determined the market pricing (because you have a list of VCP, sales values, guide prices, etc). After that, you can insure for that amount or add 20% as replacement value (to buy the same thing back in the future). That's my opinion.
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PWCC: The Fish Stinks From the Head
PSA: Regularly Get Cheated
BGS: Can't detect trimming on modern
SGC: Closed auto authentication business
JSA: Approved same T206 Autos before SGC
Oh, what a difference a year makes.
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