• Every page of the valuation report, including comparable vehicles and adjustments.
• The written offer and settlement breakdown, plus the date of each revision.
• Vehicle year, make, model, trim, drivetrain and mileage at the loss.
• Pre-loss photographs, equipment records and relevant maintenance or upgrade receipts.
• Your policy’s appraisal provision, if the claim is through your own insurer.

List the disputed entries by page number. Attach evidence for equipment, condition and comparable-vehicle differences. Ask Progressive to explain retained adjustments or provide a revised report. Avoid relying only on an online price estimate or the amount you owe.

For an eligible own-policy claim, send the appraisal provision to LEVERAGE with the report. We explain the appraisal assignment and fee before you commit. If Progressive insures the other driver, our service is report-only; it does not include one-on-one claim support or negotiation.

No. LEVERAGE works for consumers and is independent of Progressive. Insurer names identify the subject of this guide, not a partnership.

No. We examine the actual inputs and market evidence. Sometimes a factual correction is supported; sometimes an independent appraisal is appropriate; sometimes the evidence does not support a higher value.

Yes. Include every version and the date it was received. Explain which issues remain unresolved. Do not post your name, VIN or claim number publicly; use the claim-review form for the assignment documents.

For an eligible own-policy appraisal, Oregon requires reimbursement of reasonable appraisal costs when the final appraisal decision exceeds the insurer’s last offer made before the appraisal costs were incurred. Keep the final valuation, last offer and paid invoice. Ask us about documenting the reimbursement request.

Read Oregon’s total-loss notice ↗

Not by itself. We need the policy in force on the date of loss, the applicable collision or comprehensive coverage and the appraisal wording. A coverage denial is not converted into a payable claim by hiring an appraiser.

We can provide an independent appraisal report for a third-party claim. We do not provide one-on-one support or negotiation for that claim, and you cannot invoke the other driver’s appraisal clause. If your own applicable coverage is available, ask your insurer about that separate route.

Do not assume the dispute pauses storage. Confirm who is authorizing each day, when coverage ends, where the vehicle will go and how inspection will be protected. Document condition and arrange access before salvage sale.

No. I am not going to promise a number just to sell an appraisal. Send the report for a free Red Flag Review. If we accept the assignment, the valuation has to be supported by the vehicle and the market evidence.

ORS 742.554 requires the valuation or appraisal reports relied on for the total-loss cash offer, along with the required notice. Ask for every page and each revision. This applies to an insured or a third-party vehicle owner; receiving a report does not create a right to invoke someone else’s policy.

Under ORS 742.558, payment of the undisputed vehicle value requires agreement to execute ownership-transfer documents and authorization for an insurer-paid move to a disclosed location. The vehicle must remain available there for inspection and evaluation for at least 14 calendar days. After that period it may be sold for salvage. Acceptance of that statutory payment alone does not waive the additional value claim. Read any separate release before signing; arrange inspection promptly.

ORS 742.466 requires reimbursement of reasonable appraisal costs when the policy provides appraisal and the final appraisal decision exceeds the insurer’s last offer made before the costs were incurred. The law does not require a $1,000 increase. It does require the applicable conditions and reasonable costs. Keep the last offer, award and invoice; do not assume this applies to a report purchased for a third-party claim.

• Dispute a Total Loss Settlement
• My Car Is Totaled: Oregon Guide
• Oregon Appraisal Clause Guide
• Total Loss Valuation Report Guide
• State Farm Total Loss Appraisal Clause Disputes in Oregon
• GEICO Total Loss Appraisal Clause Disputes in Oregon
• Can I Reject a Total Loss Offer in Oregon?
• Total Loss Valuation in Oregon
• Fair Market Value vs. Appraised Value in Oregon
• Oregon Vehicle Valuation Evidence Worksheet
• Oregon Total Loss Storage Fees
• 20 Questions Before Hiring an Oregon Total Loss Appraiser
• Negotiate an Oregon Total Loss Claim Yourself
• How to Improve Your Oregon Total Loss Settlement With Photos
• I’ve Totaled My Car in Oregon: How Do I Get a Fair Settlement?
• Oregon Car Insurance Total Loss Claim Laws
• How to Dispute Total Loss Value in Oregon
• Oregon Total Loss Insurance Claims
• Total Loss Oregon: Understand Your Options