How It Works
1. You Sit Back and Relax.
2. We Handle Negotiations.
3. You Get a Higher Offer!
The auto insurance appraisal process is a contractual dispute resolution mechanism that allows policyholders to challenge their insurance company’s valuation.
1. Submit Your Claim
Share a few details about your vehicle and your insurance offer. It takes about five minutes.
2. Claim Review
We analyze your insurer’s valuation report and compare it against real market data for your vehicle. If needed, we’ll guide you through invoking the appraisal clause.
3. We Handle Negotiations
We prepare the documentation and negotiate directly with the insurance companie appraiser on your behalf.
4. Higher Settlement Offer
You get the additional money you’re owed. We only get paid if we recover more for you.
How THe Appraisal Clause Works
How The 'Appraisal Clause' Works
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. FairClaims handles this entire process on your behalf, from the initial claim review through the final settlement.
'Appraisal Clause'
The Appraisal Clause is a provision found in nearly every auto insurance policy in the United States that gives policyholders the right to dispute the insurer's valuation.
Call Us: (888)-330-6931
Call Us: (888)-330-6931
The Power
Of Appraisal.
Of Appraisal.
We help you get the fair value for your vehicle. By invoking your 'Right to Appraisal', you take your power back. Now, your carrier has to put your vehicles value in the hands of an independent third party.
How Carriers lowball
Why Your Offer Is Low
CCC One, Mitchell and other reports that come from insurance companies are algorithmic estimates that undervalue your vehicle. FairClaims steps in, evaluates, and realizes your vehicles Actual Cash Value based on current, local car market data.
Problematic Comparables
Problematic Comparables
Insurance companies often select "comparable" vehicles that aren't actually comparable (lower trim, higher mileage).
Challenge My Total Loss Offer >
Unjustified 'Adjustments'
Unjustified 'Adjustments'
Insurance companies often apply unjustified "condition adjustments" to lower your car's value.
Challenge My Total Loss Offer >
Ignoring Key Upgrades
Ignoring
Upgrades
Insurance companies routinely ignore recent maintenance, new tires, or upgrades you paid for.
Challenge My Total Loss Offer >
How Appraisal Works
How The FairClaims 'Appraisal Process' Works
1. You Receive a Low Insurance Offer For
Your 'Total Loss'
Your 'Total Loss'
The insurance company totals your vehicle and sends you a settlement offer based on their valuation. In most cases, this offer is significantly below your vehicle's true market value.
2. Schedule Free
Claim Review
Claim Review
Send us your insurance offer, vehicle details, and any supporting documents. We review your case at no cost and tell you if invoking the Appraisal Clause makes sense for your situation.
3. You Invoke The
'Appraisal Clause'
'Appraisal Clause'
You send a written demand to your insurance company invoking the Appraisal Clause in your policy. We prepare the demand letter and guide you through every step. This is your contractual right — the insurer must comply.
4. FairClaims Appraises
Your Vehicle With Real,
Local Comparable Data
Your Vehicle With Real,
Local Comparable Data
As your independent appraiser, we conduct a thorough market analysis using real comparable sales, condition data, and current market trends to determine your vehicle's actual cash value. We prepare a certified appraisal report.
5. We Negotiate With The Insurance Companies Appraiser
Your appraiser (us) and the insurance company's appraiser exchange findings and negotiate. In the vast majority of cases, the two appraisers reach an agreed value — and it's almost always higher than the original offer.
6. You Get A Higher Settlement Offer
The agreed value is binding. The insurance company must pay the new amount. Our clients typically see increases of $3,000 to $10,000+ over the original offer. The process usually takes 2-4 weeks from start to finish.
FAQ's