Total Loss Too Low? Independent Appraisal

How long does the appraisal clause process take?

While every claim is unique, the appraisal process typically takes 1 to 2 weeks to complete once the clause is officially invoked. Most appraisals are resolved within a week and some within 48 hours. We work quickly to initiate immediate collaboration with the opposing appraiser to minimize delays so you can receive the fair market value you are entitled to and move forward.

What is the appraisal clause in my auto insurance policy and how can it help me get a fair vehicle valuation?

The appraisal clause is a standard provision in most auto policies designed to resolve disagreements over a vehicle's value. By invoking this procedure, the valuation is determined by two independent appraisers using technical market data. This process is designed to replace automated insurer reports with a detailed, human-led appraisal that reflects the fair market value of your vehicle.

Does the insurance company have to pay the higher appraised value?

In most standard auto policies, the Appraisal Clause is a contractual dispute resolution provision. Once both appraisers document the vehicle's value through technical market data, that appraisal report is provided to the insurer as part of the valuation process.

Can I still challenge the valuation if my car is an older model or has high mileage?

Absolutely. Insurance companies often use automated systems that struggle to value older vehicles with recent maintenance or specific options. We perform a manual, human-led analysis of your vehicle's condition to ensure every bit of value is accounted for.

How does an independent appraiser determine my car's value, and why might it be different from the insurance company's valuation?

We draft a completely new custom valuation designed to identify and correct errors often found in insurer valuations. Leveraging over 10 years of industry experience, we perform a manual analysis of your vehicle's specific features and condition that automated systems frequently rate poorly or overlook.