The Appraisal Clause and Negotiation Process

What Is the Appraisal Clause?

The appraisal clause is a provision in most auto insurance policies that allows a policyholder to dispute the insurer’s valuation of their totaled vehicle.

If there is a disagreement, both the policyholder and the insurer hire independent appraisers to assess the vehicle’s value. If these two appraisers cannot agree, they will select a neutral umpire to make the final decision.

An important thing to note is that this decision is binding for both the vehicle owner and the insurance company.

Dealing with a total loss claim can be overwhelming and frustrating, especially when you and your insurance company can’t agree on the value of your vehicle.

Fortunately, many auto insurance policies include an appraisal clause that allows policyholders to challenge the insurer’s valuation. At Total Loss Champions (Auto TLC), we specialize in helping you navigate this process, ensuring you receive a fair and accurate settlement for your vehicle.

Why You Need a Third Party to Assist with the Appraisal Clause Process

We bring extensive industry experience to the table, guiding you through each step of the appraisal process to ensure your claim is handled correctly and fairly.

Here’s how we can help level the playing field:

1. Expert Representation

We act as your independent appraiser, utilizing our extensive knowledge of vehicle valuation, market trends, and insurance claims processes to determine a fair value for your car. With 20 years of experience as an insurance adjuster and claims manager for a large insurance company, our expertise ensures that every aspect of your vehicle’s worth is accurately accounted for.

2. Comprehensive Vehicle Valuation

Insurance companies often rely on valuation software like CCC or Mitchell that may not reflect the true market value of your car. We conduct in-depth research using multiple industry sources, including dealership sales, private-party transactions, and auction data, to provide a precise valuation that supports your claim.

3. Navigating the Negotiation Process

Negotiating with insurance companies can be challenging, especially when dealing with complex policy language and tactics designed to minimize payouts. We handle the negotiations on your behalf, ensuring that all relevant factors—such as vehicle condition, upgrades, and regional market trends—are considered in the final valuation.

4. Stress Free Claims Process

What sets Auto TLC apart is that we handle all communication with the insurance company for you. No more waiting on hold, trying to answer the adjuster's phone call during your busy day or dealing with stressful negotiations with the adjuster. We will keep you posted throughout the process from start to finish to get you a fair and equitable settlement.

5. Ensuring a Fair Settlement

Our ultimate goal is to ensure that you receive the maximum compensation you are entitled to. By leveraging our expertise in the total loss process, we hold insurance companies accountable, ensuring they adhere to fair settlement standards.

Why Choose Total Loss Champions?

We understand how frustrating it can be to deal with undervalued total loss claims. Our in-depth knowledge of insurance policies, valuation methods, and negotiation tactics makes us a powerful advocate for policyholders.

With our support, you can confidently challenge an unfair valuation and secure the compensation you deserve. If you have a total loss dispute and need expert guidance through the appraisal clause process, contact Auto Total Loss Champions today. Let us fight for the fair settlement you deserve!