Collision Safety Consultants of Oklahoma

Invoke The Appraisal Clause. You Have Every Right To.

Oklahoma city Appraisal Clause

You have every right to demand an appraisal of the loss of value to your vehicle.

An appraisal clause is a contractual provision in an insurance policy that outlines a procedure for determining a loss. It can be useful in situations where the insured and insurer cannot agree on an estimate, such as when a loss is purely financial. An appraisal is only required when one party demands it. This is an important aspect of an insurance policy.

There are a few important things to note about an appraisal clause. It is best to seek out an appraiser who is “disinterested” and who is not the auto repairer. While it is tempting to seek the services of a body tech from a competing facility, it is better to hire an independent appraisal company. 

An appraiser is paid by both parties and is responsible for determining the value of the vehicle.

Appraisal Clause Claims

When you’re in an auto accident, the appraisers will need to determine whether or not you were at fault for the accident.

A qualified appraiser can assess the value of a vehicle to help determine whether a vehicle has diminished value. If the diminished value is greater than 25% of the vehicle’s fair market retail price, the insurer must compensate you for the difference.

If you are in a disagreement with the insurance company, speak to our vehicle appraisers.

Appraisal Clause

Use An Appraisal Clause When:


Appraisal Clause Process

Hire an appraiser

It's vital to know the true value of your vehicle. Make sure to hire a competent, independent appraiser to calculate the value - contact us today for a free consultation.

Inform your insurer

In writing, notify your insurer of your intent to exercise your right to appraisal and whom you have engaged.

We handle the rest

We will take care of the details for you. We'll work with your insurance company's appraiser directly to come to an agreement on the value of your vehicle.

How To Get Your Claim Paid

Shop Choice

Choose your own shop for your estimate without being required to travel a far distance. Click the icon above for a breakdown of the statute by state.

File a complaint

File a formal complaint with the Oklahoma Insurance Department. Click the icon above for a direct link to the Oklahoma Insurance department complaint form.


File a lawsuit against the person that hit you. These claims are generally in small claims court where an attorney isn't needed. Oklahoma Small Claims includes any civil case under $10,000.

Appraisal Clause

Invoke an appraisal clause and hire an independent appraiser. However, there are always some risks.

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