The Right of Appraisal Clause in your auto policy entitles you to request an independent evaluation of damages.

Insurance carrier will not tell you about it because they have to pay for it, so you must ask!

Right of Appraisal? does such a thing exist? Yes!

This clause mainly applies to property damage. If your auto is damaged and you cannot agree on the value of the vehicle (a total loss) you can request an independent appraisal.

Insurance companies will make their own evaluation of the Actual Cash Value of the vehicle and try to settle with for that amount.

Many total loss adjusters will not mention your option to request an independent appraisal (most adjuster do not read your policy). Insurance companies, in the face of non-settlement, will pay for an independent appraisal of their choosing (the right of appraisal is right on the policy, use it!).

The do not like to offer this because it cost them anywhere from $150 to $450 to have this appraisal done. Hence, most adjusters are not even trained in this option. These are your rights, make sure you enforce them.

If you do not agree with the appraiser selection, then you have to find your own appraiser at your own expense. Your appraiser and your insurance appraiser will review numbers and try to come to a consensus.

If this is not possible, a panel of three appraisers will be selected. Written submission of the discrepancies of the estimates will be required. Two out of three votes will determine the amount of the loss.

You have the Right of Appraisal for your property damage. The insurance company has the right to settle against you! Say what? Learn more.

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