who cares what an idiot apraiser said about the car.
Show me an insurance policy where someone took paper against that car as colateral for $46k. Show what the car was insured for.
And the only POSSIBLE way that car could have been insured for anywhere near that is if they did "agreed to value" insurance, where an appraisal is not even necessary.
My bet is that IF that car was ever insured for $46k the owner would have probaly already collected on that policy.... "gee, i donnnow, i came outside and it was just gone!!!"
hey, if i offended anyone i am sorry, in fact, to make it up, i will take it for $46,000. send a paypal address to me