Collision Safety Consultants of Oklahoma

Leveraging your right to an appraisal

Oklhoma Appraisal Clause

The appraisal clause allows you, the policyholder, to demand an appraisal of the loss when there is a disagreement.

Such a disagreement can happen for various reasons and is more common than you may think – but the bottom line is that you must be treated fairly. Each party selects a competent and unbiased appraiser to independently evaluate the loss to ensure this is the case. 

The appraisers may not be capable of achieving an identical answer. If the two appraisers cannot reach a consensus, a neutral umpire is also chosen to determine the proper amount of damage if they cannot agree.

What is the appraisal Clause

The appraisal clause allows you, the policyholder, to demand an appraisal of the loss when there is a disagreement.

Each party selects a competent and unbiased appraiser to evaluate the amount of the loss independently. 

A neutral umpire is also selected to determine the correct amount of the loss if the two appraisers cannot agree.

Appraisal Clause

When to use

Benefits

How Can the Appraisal Clause Help Me?

As your policy will show, you don’t always have to accept what the insurance company tells you. If your insurance company refuses to pay for the proper repairs to your vehicle, the appraisal clause can help by giving you the right to appraisal which is an arbitration process listed in your policy.

We can bridge the gap between what an insurance company will pay for and what a repair shop charges by using this right to appraisal. Your car’s value may be much greater than the sum your insurance company specifies.

Various options may be available in your policy, and it likely includes an appraisal clause. Contact us for a free consultation to see how we can assist in your claim.

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.

Options to get your claim paid

Shop Choice

You have the right to choose your own shop and cannot be required to travel an unnecessary distance for estimates. Click the icon above for a breakdown of the statute by state.

File a complaint

An alternative option is to file a formal complaint with the Oklahoma Insurance Department. Click the icon above for a direct link to the Oklahoma Insurance department complaint form.

Litigation

There is the option to file suit against the person who hit you. The majority of these claims are in small claims court, and an attorney is not required. Oklahoma Small Claims includes any civil case under $10,000.

Appraisal Clause

A final option is to invoke your right to appraisal and hire an independent appraiser to handle the discrepancy. This option can only be used in first-party claims and always carries some risk.

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