How It Works
From your free claim review to your higher settlement, we handle the entire appraisal process. Here is exactly what happens when you work with National Appraisers.
The auto insurance appraisal process is a contractual dispute resolution mechanism that allows policyholders to challenge their insurance company's valuation. When you invoke the appraisal clause in your insurance policy, both you and the insurer each appoint an independent appraiser. If the two appraisers cannot agree, they select an umpire, and the decision of any two of the three is binding. National Appraisers handles this entire process on your behalf, from the initial claim review through the final settlement.
Free Claim Review
Call us at 1-888-967-6488 or submit your information online. We review your insurance company's offer, your vehicle details, and the circumstances of your claim to determine if we can help increase your settlement.
This step is completely free and takes about 10 minutes. We will tell you honestly whether your claim has merit and give you an estimate of the potential increase.
We Prepare Your Appraisal Report
Our certified appraisers research your vehicle's actual market value using real comparable sales data from your local market. We prepare a detailed, certified appraisal report that documents the true value of your vehicle.
For total loss claims, we determine the actual cash value. For diminished value claims, we calculate the loss in market value. For body shop disputes, we document the full cost of proper repairs.
We Invoke the Appraisal Clause
We prepare and send the formal demand letter to your insurance company, invoking the appraisal clause in your policy. This is your contractual right, and the insurer is legally required to participate in the process.
The appraisal clause exists in virtually every auto insurance policy. It provides a binding dispute resolution mechanism that is faster and less expensive than litigation.
We Negotiate on Your Behalf
Our appraiser negotiates directly with the insurance company's appraiser, presenting our certified report and comparable sales evidence. We handle all communication so you do not have to deal with the insurance company.
Most disputes are resolved at this stage. Our appraisers have extensive experience negotiating with every major insurance company in the country.
You Get a Higher Settlement
In 95% of cases, we achieve a settlement significantly higher than the insurance company's original offer. The appraisal process results in a binding decision that the insurer must honor and pay.
On average, our clients receive 20-40% more than the insurer's original offer. If an umpire is needed, we manage that process as well.
We Handle Every Type of Auto Insurance Dispute
Total Loss Claims
Insurance company totaled your vehicle and the offer is too low? We determine the true actual cash value and invoke the appraisal clause to get you a higher settlement.
Learn MoreDiminished Value Claims
Your vehicle lost value because of the accident, even after repairs. We prepare certified diminished value appraisal reports and handle the claim process.
Learn MoreBody Shop RTA
Insurance company short-paying your repairs? We serve as the body shop's independent appraiser in the Right to Appraisal process to get you paid for proper repairs.
Learn More