Inheriting a Rolex comes with choices: sell outright or take a collateral loan....

https://smoothdecorator.com/if-i-only-know-the-model-number-can-someone-still-value-my-watch-accurately/

Inheriting a Rolex comes with choices: sell outright or take a collateral loan. Knowing the difference between insurance value and resale value is key. Insurance covers replacement costs, but resale reflects what buyers pay now