Is your car insurance offer too low?
Insurance companies set the first number. You don't have to accept it. Take the 30-second check below, then see how car insurance appraisal can put an independent second opinion on the table.
Get A Second Opinion Or scroll down for the checklistThe 30-second offer check
Tick everything that's true about your claim:
What really sets your car's value
A fair settlement reflects the car you actually had, not a generic average. These are the details that move the number:
Local comparables
Cars like yours, recently for sale in your area, are the starting point for a fair value.
Trim and options
A higher trim, a tech or towing package, or 4WD can be worth thousands.
Mileage
Lower-than-average miles should raise the value, not be ignored.
Condition
Service records, a clean interior and no prior damage all count.
Recent investments
New tires, a new transmission or other recent work can add value.
Taxes and fees
Depending on your state and policy, sales tax and title fees may be owed on top.
Car insurance appraisal, in plain English
Many auto policies include an appraisal clause for exactly this situation: the claim is covered, but you and the insurer disagree on how much it's worth.
You ask in writing
Send a written demand for appraisal under your policy.
Two appraisers
You pick an independent appraiser. So does the insurer.
An umpire if needed
If the appraisers disagree, a neutral umpire steps in.
A binding number
Any two of the three agreeing generally sets the amount.
Questions people ask
Every policy is worded differently, so check yours. Here's the general picture.
Isn't this just arguing with the adjuster?
No. Negotiating is back-and-forth with the insurer's own staff. Appraisal is a formal process in your policy that brings in independent appraisers and, if needed, an umpire.
What if my insurer refuses?
If your policy has an appraisal clause, either side can usually invoke it. A firm that handles appraisals can review the wording and your options.
Does appraisal cost money?
Usually each side pays its own appraiser and splits the umpire. Weigh that against the gap between the offer and your car's real value.
Can I still keep my car?
That depends on your insurer and your state's salvage rules. Ask before you sign anything or hand over the title.
Don't settle for their first number
Adjuster Shield provides independent insurance appraisal services. We'll look at your offer, your policy and your car, and help you push for a fair settlement.
Get A Second Opinion General information, not legal advice.