Collision Safety Consultants of Oklahoma

You Have Every Right To An Appraisal

Tulsa Appraisal Clause

As the policyholder, you have every right to invoke an appraisal clause when there is a disagreement.

It is common for insurance companies to offer a small amount of money to repair your property after an accident. Most people accept this amount without question, as they do not know the extent of damage and are grateful for the money.

By exchanging the money for the repair bill, you are effectively admitting fault on the part of the insurance company. In these situations, it is best to invoke the appraisal clause so that an appraiser can evaluate the true value of the damages.

Invoking an appraisal clause is a common way to resolve a dispute. In these cases, both parties must choose an appraiser. The appraiser should have expertise in the area of the dispute and must be unbiased. They should not be working for the insurance company. If you invoke the appraisal clause, both parties must pay for the same professional. This will help to ensure that the appraisers are both fair and impartial.

Invoking An Appraisal Clause

The appraisal clause is a legal term in auto insurance contracts. It is an important clause that should be understood when you buy a car. 

The appraiser’s evaluation of the car’s value must be higher than 25% of the fair market retail value. 

Let the vehicle appraisers at Collision Safety Consultants Of Oklahoma be your appraiser for your clause.

Appraisal Clause

When to use


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

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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