Please be advised professional appraisals are temporarily paused until Jan2027.
Understanding the Insurance Appraisal Clause
If your vehicle was declared a total loss you need a second opinion of your vehicle value.
To often we have heard, 'The insurance offer seemed fair'.
The fact is, over 90% of the clients who have contacted us for a second opinion have discovered the insurer offer fell far short of the actual value of their vehicle.
We complete a complimentary review to help you identify the actual value of your Total Loss, and represent you in the dispute process to recover an accurate value for your vehicle.
- The Appraisal Clause -
Washington auto insurance policies are required to include an Appraisal Clause which provides a path for consumers to ensure they are receiving an accurate settlement for the amount of their insurance loss.
It exists for one reason: to provide a fair, structured way to resolve value disputes when you and your insurer don’t agree on:
- The Actual Cash Value - ACV
- The Repairs or cost of repair
The Appraisal Clause requires that both sides rely on competent and disinterested local appraisal professionals, rather than AI assisted technology programmed by insurance industry partners.
This process keeps disputes focused on evidence, accuracy, and regulatory requirements - not pressure, alliances, or emotion.
Real Results for Washington Drivers
Appraisal Clause & Umpire Process
- 35% - Average Amount Insurer Valuations were undervalued by.
- $5,079.76 - The average additional value recovered in the appraisal process.
- 94% - Appraisals settled without moving to the Umpire stage
How Claim Complete Auto Helps Washington Vehicle Owners
Experience Matters
We handle every step of the appraisal process personally - without reliance on automation. With a lifetime of hands on automotive experience we are able to consider market demands, and unique scenarios that effect vehicle values and required repair operations.
We also don't have insurer partnerships - which means we are completely disinterested in how your claim outcome may impact out future endeavors or contracts tied to future income.
Our deep understanding of state regulation ensures compliance with our appraisal methods, analysis, and documentation support.
The appraisal clause exists because value disputes happen - and when they do, people deserve a fair and competent way to resolve them. Our goal is to help clients move through that process informed, supported, and confident that their claim value is being evaluated accurately.
If you're facing a dispute and want to understand your options further, we're here to help.