Gresham, Oregon Total Loss
Insurance Car Appraisal Clause Dispute for Totaled Cars and Trucks
What do you do if you disagree with your insurance company on the value of your vehicle?
According to Oregon Law,
You do not have to accept your insurer’s lowball offer.
- You can either continue to negotiate with your insurance adjuster or claims rep on your own, or…
- If your claim is with your insurance company, and you have full coverage, you will normally have the right to an appraisal if your policy includes an appraisal provision. (Most Do) You can hire an Oregon Certified Auto Appraiser, such as Ken Nix with Leverage Auto Appraisals, as described under your full coverage insurance policy’s “appraisal clause”. Your Insurance company must reimburse your appraisal costs if the final appraised value is greater than your insurance company’s last offer.
Has your Insurance Company offered you less than what your car or truck is worth? Leverage Auto Appraisals is a local Oregon Auto Appraisal company with an Oregon licensed and certified auto appraiser authorized by the Oregon Department of Transportation (ODOT) to appraise and negotiate your total loss claim with your insurance company.
Did you know that if your full coverage insurance policy is based in Oregon, you have the right to full reimbursement of your appraisal costs if your appraiser increases the claim just one cent?
You need LEVERAGE
We provide credible total loss appraisals and Expert Negotiation to help you get a fair settlement on your totaled or stolen car or truck.
OREGON Certified/Licensed Auto Appraiser # V34-075
We don’t just write a Total Loss Fair Market Value appraisal like some companies. Our Total Loss auto appraiser will also negotiate with your insurance company’s appraiser to get a fair value for your totaled vehicle. This is included in the price of your appraisal, you won’t be upsold later on like some companies. Ken has over 38 years of negotiation experience. Licensed Auto Appraiser in Oregon
Over 11 years as an Oregon Licensed Auto Appraiser
Over 38 years experience in negotiations.
Only Works For Consumers
No conflict of interest here. We only work for consumers, not insurance companies.
In Oregon and Washington, if you feel you’ve been offered an unfair amount, you’ll normally have an appraisal clause in your policy that allows you to dispute their offer. The appraisal clause allows you to hire an independent auto appraiser to produce an appraisal and your insurance company will also have to hire an independent auto appraiser to produce one for them. The two auto appraisers will negotiate the value between them, if they can not come to an agreement, then an Umpire will decide which appraisal is more credible.
In Oregon, if we increase the value by one cent more than the last offer your insurance company offered you, they have to reimburse you for the cost of the appraisal.
If your claim is with your insurer, you may have the right to an appraisal if your policy
includes an appraisal provision. Your insurer must reimburse your reasonable
appraisal costs if the final appraised value is greater than the insurer’s last offer. This
provision applies to all new policyholders on or after January 1, 2010 and to current
policyholders upon the first renewal of their policy that occurs on or after January 1,
2010. Ask your claims adjuster or the Insurance Division for more information.
Lowball offers from CCC One are more common than you may think. In the case of Buratovich v. Farmers Insurance, documents obtained during discovery, reflected that Farmers Insurance had selected CCC One solely due to it’s evaluations having the lowest payout in regards to a Total Loss Claim. CCC has also recently come under fire in Georgia where consumer advocates claim they have substantially lower valuations than other companies.If your car, truck, RV, motorcycle, or other wheeled vehicle has been totaled, before you accept the insurance company’s total loss offer, you should speak to an Auto Appraiser.
There have also been several Class Action Lawsuits filed regarding Mitchell / J. D. Powers and Associates Total Loss Valuation Methods. This valuation has been involved in several cases where consumers have sought class action lawsuits against State Farm and Progressive for using Mitchell and J.D. Powers valuations.
OREGON CERTIFIED AUTO APPRAISER
OREGON CERTIFIED APPRAISER
When Hiring an Auto Appraiser, make sure they are certified by the Oregon Department of Transportation. Otherwise, the appraisal may not be considered credible. We are an Oregon certified and licensed auto appraiser. #V34-075
Some appraisal companies inflate their valuations in an effort to entice you to use them because they have the largest value. Largest doesn’t mean you’ll settle for more, normally it’s the opposite. Most insurance companies know who provides credible appraisals, and who provide inflated values
With over 11 years as a licensed and Certified Oregon Auto Appraiser, Ken has the experience to handle any job. He has over 38 years negotiating experience with over 30 years spent in the automotive industry.