503.420.3001

TOTAL LOSS APPRAISALS

Automotive Insurance Total Loss Appraisals and Negotiation by an Oregon Licensed and Certified Total Loss Appraiser.

 

Picture of Ken Nix, who is an Oregon Certified and Licensed Vehicle Appraiser who specializes in Oregon Total Loss Vehicle Disputes. Auto Appraisals by an Local Auto Appraiser.

Is your insurance company Offering an unfair offer that is less than what your totaled vehicle is worth?

We can help! You need a professional on your side that doesn’t work for the insurance companies. You deserve a fair settlement and hiring a Total Loss Auto Appraiser who specializes in Oregon total loss claims is your first step to receiving a Fair Total Loss Settlement.

We Don’t take a percentage and Oregon law guarantees you 100% Reimbursement for the appraisal if we increase the value over their last offer by just 1 cent.

Oregon Certified Vehicle Appraiser #V34-075 • We provide car appraisals for Totaled vehicle Insurance claims, Total Loss Appraisal Clause Disputes, Total Loss Appraisals and negotiation for stolen totaled Trucks and Cars, and other totaled vehicle appraisals.

Recently, many CCC ONE, Mitchell and JD Powers valuations have been coming in as little as 30 percent of the true market value for many Diesel Trucks with the 7.3, Duramax or Cummins engines. That’s what the appraisal clause in your policy is for. It allows you to  dispute their lowball valuations.

Call us now for a free Claim Review: 503.420.3001

What is an Appraisal Clause?

An appraisal clause is a contractual process in your auto insurance policy used to settle disputes between insurers and their policyholders when the parties fail to agree on the amount that will be covered by the policy.

If your insurer refuses to provide a fair settlement amount on your vehicle’s loss, you have the option to resolve the issue by going through your insurance policy’s appraisal clause. This prevents insurance companies from taking advantage of you.

If you do not agree on the amount of the loss, you may demand (invoke) an appraisal. In this scenario, each party will choose an independent  auto appraiser. In many cases, even their auto appraiser will be higher than the last offer your insurance company made to you. The appraisers will negotiate the value and come to an agreement, or have an umpire make a decision between the two appraisals.  I’ve been doing this for over 13 years, and have only had 5 times where we had to go to an Umpire. .

The key to a successful appraisal clause dispute is finding an expert who has the necessary vehicle knowledge and negotiation skills to handle the various aspects of the process. This includes choosing an umpire and negotiating with the other parties involved. Our Oregon Licensed Auto Appraiser, Ken Nix, has been negotiating Oregon Total Loss disputes for over 13 years in Oregon. He’s local, only works for consumers, and isn’t indebted to the insurance companies like many appraisers who rely on them for income.

A few recent Settlements:

  • Springfield, Oregon.Increase: $17,75752% increase – State Farm – Michael L.  – 2015 Lance Toy Hauler
  • Portland, OregonIncrease: $4,396 70% Increase – Progressive – M. Connly,  Portland, OR. 2001 Toyota Sequoia SR5
  • Elmira, OregonIncrease: $2,324.0017% Increase – Progressive – Nick A. 1999 Ford F-350
  • St. Helens, OregonIncrease: $2,360.0028% increase – Travelers – 2011 Toyota RAV4
  • Goldendale, WashingtonIncrease: $2,399.716% increase – State Farm – T. Casey  2016 RAM 2500 Laramie Longhorn
  • Estacada, OregonIncrease: $5,177.02 118% Increase – Progressive – T. Harrington  2002 Subaru WRX
  • Hillsboro, OregonIncrease: $6,590.00 –  34% Increase – USAA – R. McCarthy – 2008 Dodge Ram 3500 Diesel
  • Portland, OregonIncrease: $10,426.00 –  329% Increase – State Farm – R. Estrada – 1990 Harley Davideson FLHS Electic Glide
  • Hillsboro, OregonIncrease: $6,590.00 –  34% Increase – USAA – R. McCarthy – 2008 Dodge Ram 3500 Diesel

Watch our Videos to better understand the Appraisal Clause Process

What Clients Are Saying About Leverage Auto Appraisals

King King
King King
1708555524
So first of all Ken knew everyone in industry which set me at ease. Insurance tried to rip me off and give me 18150z Ken got me 26000 in little under 3 weeks. Extra 8000 almost. My man. Great job
Adam Springer
Adam Springer
1708017783
Ken advocated for my client when the insurance company wouldn't play fair. Less than a week after they received his appraisal, the insurance company paid her 50% more than their previous top offer!
Scott McGraw
Scott McGraw
1707944349
If your insurance company is declaring your car a total loss then you absolutely need to call Ken Nix. My insurance company only offered me $4,400 for my car. My car was old, but it had low miles. When I contacted Ken, he immediately went to work on our case. He ended up getting us $6800 for our car -- which is more than 150% what the insurance company offered.If your car is totaled, it is guaranteed that your insurance company will give you a low offer and try to rip you off. Ken does all the work of dealing with the appraiser hired by the insurance company to negotiate on your behalf. Other places will quote you a lower price than Ken, but they will just present you a report and you are on your own. Ken actually negotiates with the insurance company's appraiser to get you the best deal.Also -- if you live in Oregon -- the insurance company will have to reimburse you for the amount that you pay for Ken as long as Ken can get you at least one penny more than their offer.To summarize: I hired Ken and paid him $499. Ken was able to get me $2,400 more than my insurance company offered me and my insurance company reimbursed me for the $499 that I paid Ken.Just send Ken your insurance company's valuation report and if he knows that he can get you more, he will take your case and you will be reimbursed for what you paid him. You literally have nothing to lose.
Tyler Michael
Tyler Michael
1707188603
Ross J
Ross J
1707106361
Ken and his staff were fantastic. I found his services via google, and his reviews are what sold me. He's a talker, but his results speak for themselves. My insurance company paid me about $4k more for my vehicle than they would have if I had not sought Ken's help. Ken, I really appreciate your time and attention to detail. Thank you!
Jack Jones
Jack Jones
1705613903
I’d give Leverage six stars if I could. I appreciate the way they went to bat for me. Ken negotiated almost double what the insurance company originally offered. I highly recommend!
Jen Anderson
Jen Anderson
1704520517
Ken worked for several months to try to get us a bigger settlement when our carrier insisted on shortchanging us by refusing to use any comps in our actual vicinity. Despite being stonewalled by the m0bster-like "appraisers" the carrier used (who are halfway across the continent), we eventually ended up with much more than we could have gotten on our own. It's stressful when someone else's carelessness ruins your vehicle and adds insult the injury when you can't depend on your own carrier to go to bat for you. We would use Ken again (but hope to never need to 😂).
Stacey Galarza
Stacey Galarza
1704300288
Leverage Auto Company are outstanding -- from start to finish! I had never worked with them (or with any auto appraiser) before so I had some reservations. But I very, very quickly got a sense of trust from how they handled their basic communications with me. Excellent Experience! Great Company! Ken did a great job-thorough, knowledgeable ,professional, reliable and super available for follow-up clarifications and discussion. THANKS KEN!
Layne Michaud
Layne Michaud
1703718850
Ken has been great to work with at Leverage Auto Appraisal! Helped me get the settlement I needed when the insurance companies offered a lowball offer. I’d hire him again in a second! Will 100% use him again if needed (but let’s hope I don’t!). I would and will recommend him to anyone else trying to negotiate a fair settlement with their insurance company.
Kirstie Forsey
Kirstie Forsey
1703180488
I was involved in a not at fault accident in September 2023. My insurance company was giving me the run around and offered me a very low price for my 2018 Toyota 4Runner premium. I contacted Ken Nix to get a professional and more accurate evaluation of my vehicle. I am glad I did. Ken was able to get me 4K more for my vehicle than the insurance company offered me. This allowed me to be able to pay off my vehicle and have money down to get a new one. Ken was down to earth and kind; he worked diligently to get me the best price for my vehicle. I absolutely recommend him to all who are being taken advantage of by their insurance companies. Ken will get you a fair price and fast.
David Smid
David Smid
1701822749
I can't thank Ken Nix enough with Leverage Auto Appraisals for his help with my total loss claim. He doubled what my insurance company offered me. He got them to send me over $4,000. Don't fight for yourself, hire a professional. The cost of the appraisal is reimbursed to you by your insurance company in the state of Oregon.
Justin Robinson
Justin Robinson
1699549138
Hiring Ken was a great idea! He was able to bring my lowballing insurance offer up 27% for me which was over a $10,000 increase!!! That put a good chunk of change back in my pocket!! Couldnt be happier with how it turned out! Thanks alot for the hard work Ken i really appreciate it! Dont say yes to these insurance numbers and wake up! Youll be surprised what someone like this can actually do for you!
Nic Clow
Nic Clow
1697499707
Ken is a wealth on knowledge and great to work with. It is crazy how much insurance agencies get away with, and Ken helps you get what you deserve from them. Highly recommend!
chris carpenter
chris carpenter
1695256049
My son had his car stolen and the insurance company offered around $5k less then what was owed on the loan. Obviously, as a parent I wanted to do everything I could to help my son. After going back n' forth with the insurance company they mentioned I could get an independent appraisal of which I research and found Ken. He went above and beyond educating me that I could request a refund of the remaining service contract we purchased on the car. In following up with the dealer they agreed to credit us back the remaining amount of which we then found out we had GAP insurance. Ken Nix at that point could have easily just charged us for a appraisal anyway but rather declined stating it would just hold up the settlement process and may not benefit my son. Finding people with such high work ethic can be hard to find these days and I have complete confidence Ken would do everything necessary to get a client the highest payout if hired.
Tracey Jeffries
Tracey Jeffries
1694661955
I worked with Ken and he persevered and got me a fair value. 8,000 more than what the insurance offered initially. I highly recommend them.
l. lao
l. lao
1692892883
Ken is peasant to work and effectively negotiated a better pricing, he definitely a top performer.
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WHY CALL THE BUSINESS LEVERAGE AUTO APPRAISALS?

Our name sorta pays homage to a TV series that ran from 2008 to 2012. It was about a group of unsavory characters that banded together to form a team to help the underdogs. Their tagline was “The rich and powerful take what they want, we steal it back for you. Of course, we don’t steal anything. We do negotiate for average people against companies that are worth up to 700 BIllion Dollars. We feel the little guy should be represented by a well rounded appraiser. The show was actually filmed here in Portland, Oregon. Although, for the first 4 seasons, it was fictionally based in Boston. The “crew” was composed of a Mastermind, Hacker, Thief, Grifter, and Hitter”. Although I’m not a team, I do bring some diverse traits to the table. To get a little taste of the Leverage TV Show, here’s a link to a the Leverage Intro on Youtube: https://www.youtube.com/watch?v=NsHQjVMtjrA

YOu can also catch both the old Leverage TV series on Prime TV or the new Leverage Redemption series also on Prime TV.

WHO IS KEN NIX

Picture of Ken Nix, who is an Oregon Certified and Licensed Vehicle Appraiser who specializes in Oregon Total Loss Vehicle Disputes.

  • Ken Nix is a local Oregon Certified and Licensed Vehicle appraiser who has been authorized by ODOT to appraise vehicles in Oregon for over 12 years.
  • Ken started in the automotive industry in the 1980s and has sold and appraised tens of thousands of vehicles including late model cars and trucks, Exotics, Muscle Cars, Street Rods, Vintage, Classics, Street Rods, Camper Conversions, and even Japanese right-hand drive vans while working for multiple franchises over 20 years. Ken is the independent appraiser chosen by Ron Tonkin Gran Turismo for independent vehicle assessments.
  • Previously employed by Diversiform and Reynolds and Reynolds. Ken worked for years with local Automotive Dealers to market vehicles. Hundreds of Dealership owners, managers, and staff know and trust him. Ken also worked with Lanphere Enterprises, and many other local dealers to provide digital solutions for automotive marketing.
  • Ken is the founder of Volkswagen Owners Club, My GTI, and Jetta Junkie and was an Administrator for Autoguide.com for over 10 years.
  • Ken’s wife jokes that sometimes she’s married to Liam Neeson because Ken has a very particular set of skills, skills he’s acquired over a very long career.

 

 

Ken Nix's current Oregon Auto Appraisers Certification and License issued by ODOT

  • Ken has actual long term automotive sales, appraisal and negotiation experience. Beware long term businesses with inexperienced vehicle appraisers claiming decades of experience because a relative founded the business. Make sure your automotive appraiser has the real world experience to back up their claims.
  • Ken’s background in training salespeople on Product Knowledge, combined with auto body repair assessment experience and his computer background provides negotiating leverage over opposing appraisers. The ability to spot bad repairs from prior damage on an opposing appraiser’s comparables to discrediting salt state and flood damaged vehicles used by your insurance company’s valuations from CCC One and Mitchell / J.D. Powers to lowball your vehicle.
  • Expert Negotiator. Personally trained one on one by Zig Ziglar, Tom Stuker, and Grant Cordone. Over 45 years experience as a professional negotiator.
  • Ken’s Automotive, Computer Technology, Legal Reseach, and Negotiating background provides a very specific skill set that makes him a nightmare to opposing appraisers.

 

Recent Total Loss Appraisal Clause Claim Settlements

2005 GMC 3500 SLT

  • Insurance Company: Progressive
  • Settlement Increase: $6297.07
  • Percentage Increase: 37%
  • Portland, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $17,202.93
  • Settlement: $23,500.00
  • Client: Cody B.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

2002 Toyota Sequoia Limited

  • Insurance Company: Geico
  • Settlement Increase: $4,320
  • Percentage Increase: 84%
  • Hillsboro, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $5,180.00
  • Settlement: $9,500.00
  • Client: Nathaniel M.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

2004 Porsche Cayenne Turbo

  • Insurance Company: Progessive
  • Settlement Increase: $7,971
  • Percentage Increase: 77%
  • Portland, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $10,428.68
  • Settlement: $18,400.00
  • Client: Alexandre B.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

2018 Hyundai Elantra

  • Insurance Company: Geico
  • Settlement Increase: $1,714.00
  • Percentage Increase: 12%
  • Portland, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $14,786.00
  • Settlement: $16,500.00
  • Client: Sadie B.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

2014 Jaguar XJ

  • Insurance Company: Allstate
  • Settlement Increase: $4093.00
  • Percentage Increase: 19%
  • Portland, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $5,180.00
  • Settlement: $9,500.00
  • Client: Kenneth P.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

1971 Ford Bronco

  • Insurance Company: USAA
  • Settlement Increase: $8,742.00
  • Percentage Increase: 14%
  • Klamath Falls, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $63,258
  • Settlement: $72,000.00
  • Client: Thomas H.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

2005 Dodge Neon SRT-4

  • Insurance Company: Progressive
  • Settlement Increase: $8,083.00
  • Percentage Increase: 178%
  • Yakima, Washington
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $4,543.00
  • Settlement: $12,626.00
  • Client: Alex, C.
  • Final Cost to client for our services (Washington Does Not have a law that demands reimbursement, but his tax reimbursement increase was approximately $711.30, which was more than the cost of the appraisal): $499.00

2007 Toyota Prius

  • Insurance Company: Progressive
  • Settlement Increase: $5,550.00
  • Percentage Increase: 75%
  • Portland, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $7,449.95
  • Settlement: $13,000.00
  • Client: Grant M.
  • Final Cost to client for our services after reimbursement from their insurance company: $0.00

1999 Honda Civic DX

  • Insurance Company: Progressive
  • Settlement Increase: $3,529.09.00
  • Percentage Increase: 180%
  • Vancouver, WA
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $1,970.91
  • Settlement: $5,500
  • Client: Matt S.
  • Final Cost to client for our services after reimbursement from their insurance company: $499 (Washington Does not have a law that demands reimbursement like Oregon does. But, the client also received an additional $310.00 in taxes. So his net increase was $3,340.00)

2012 Toyota Prius V Five

  • Insurance Company: State Farm
  • Settlement Increase: $8,044.33
  • Percentage Increase: 63%
  • Vancouver, Washington
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $12,784.00 CCC ONE
  • Settlement: $20,828.33
  • Client: Jeffery H.
  • Final Cost to client for our services (Washington Does Not have a law that guarantees reimbursement, but his tax reimbursement increase was approximately $707.90, which alone was more than the cost of the appraisal): $499.00

1981 Chevrolet C10 Pickup

  • Insurance Company: Progressive
  • Settlement Increase: $7,028.67
  • Percentage Increase: 72%
  • Vancouver, Washington
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $9,800.00 Mitchell – JD Powers Valuation
  • Settlement: $16,828.67
  • Client: Jeffery H.
  • Final Cost to client for our services (Washington Does Not have a law that guarantees reimbursement, but his tax reimbursement increase was approximately $618.52, which alone was more than the cost of the appraisal): $499.00

2001 Ford F250 SD

  • Insurance Company: Progressive
  • Settlement Increase: $9,581.69
  • Percentage Increase: 98%
  • Creswell, Oregon
Details
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $1,970.91
  • Settlement: $5,500
  • Client: Matt S.
  • Final Cost to client for our services after reimbursement from their insurance company: $499 (Washington Does not have a law that demands reimbursement like Oregon does. But, the client also received an additional $310.00 in taxes. So his net increase was $3,340.00)

How To Video on The Appraisal Clause

Recent Total Loss Claims

Dodge Ram Totaled Total Loss appraisal for insurance dispute with Progressive Insurance company

2005 Dodge Ram 3500 SLT

Settlement Increase: $5,750.00

Details
  • Total Loss Dispute Appraisal and negotiation.

  • Insurance Offer: $18,750.00

  • Settlement: $24,500.00

  • Increase of: $5,750.00

Dodge Ram Totaled Total Loss appraisal for insurance dispute with Progressive Insurance company

2020 Ford F-550

Settlement Increase: $14,405.00

Details
  • Total Loss Dispute Truck Appraisal Clause Negotiation.
  • Insurance Offer: $10,954.00
  • Settlement: $15,700.00
  • Increase of: $4,746.00
Geico Total Loss Dispute insurance fair market value appraisal settlement

2017 Nissan Sentra "Stolen Vehicle"

Settlement Increase: $4,746.00

Details
  • Total Loss Dispute Appraisal and negotiation.

  • Insurance Offer: $18,750.00

  • Settlement: $24,500.00

  • Increase of: $5,750.00

ccc one national general appraisal dispute clause total loss

2019 Ford Ranger Lariat SuperCrew

Settlement Increase: $2,573.00

Details
  • Insurance company: National General Insurance
  • Initial Valuation: CCC One Market Valuation Report
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $40,427.00
  • Settlement: $43,0500.00
  • Increase of: $2,573.00
farmers insurance total loss dispute 2015 mitsubishi lancer evo ccc one evaluation

Mitsubishi EVO

Settlement Increase: $9,417.00

Details
  • Farmers Insurance Total Loss Appraisal clause dispute
  • CCC One Valuation
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $18,833.00
  • Settlement: $28,250.00
  • Increase of: $9,417.00
Geico Total Loss Dispute insurance fair market value appraisal settlement

2020 GMC Yukon SLT 4WD

Settlement Increase: $10,286.00

Details
  • Progressive Insurance Total Loss Dispute
  • Mitchel / J.D. Powers Valuation
  • Total Loss Dispute Appraisal and negotiation.
  • Insurance Offer: $50,214.00
  • Settlement: $60,500.00
  • Increase of: $10,286.00

LEVERAGE

Auto Appraisals

(503) 420-3001

Location

Portland, OR. 97225

Email

Open Hours

Mon:10am – 5pm
Tue: 10am – 5pm
Wed: 10am – 5pm
Thur: 10am – 5pm
Fri: 10am – 5pm
Sat: 10am – 5pm
Sun: Closed

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