because I was originally denied for not supplying pictures when I clearly attached them and the document showed they were attached. Then they denied me because my car didn't qualify for the 70k I wanted unless I got an appraisal. In the end, they qualified me based on my spreadsheet of parts/labor which is everything I've put into the car + the car itself.
Give them a call to talk with someone. They're really friendly and helpful. I found they have less restrictions driving wise than Hagerty.