For vehicle owners · Right to appraisal

Don't like the number?
Bring your own appraiser.

If your insurer agrees the loss is covered but you disagree on the amount, your policy may let you invoke appraisal. Geoff has worked as an insurance adjuster, so he knows how that number is built.

How it works

Your appraiser. Their appraiser. An umpire.

Most auto insurance policies include an appraisal clause, often called the right to appraisal. If you and your insurance company agree the loss is covered but disagree on the amount, such as a repair estimate or a total loss value, either side can invoke appraisal. Each side hires its own independent appraiser. If the two appraisers can't agree, an umpire settles the difference.

  1. Invoke appraisal in writing, as your policy requires.
  2. Hire your appraiser. Apex represents vehicle owners.
  3. The appraisers negotiate the amount of loss.
  4. An umpire decides if they can't agree.

Check your policy for its exact wording and deadlines. General information, not legal advice.

Quotes

Straightforward quotes, no surprises

Pricing is based on your claim. Call or send your details and Geoff will tell you the cost before any work starts.

Get your own appraiser on the claim

Call or text Geoff at 434-665-6059. In-person inspections around Lynchburg.

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