Question 1

What is an independent auto appraisal?

Accepted Answer

An independent auto appraisal is an unbiased evaluation of a vehicle’s fair market value performed by a certified third-party appraiser. It is commonly used to dispute low insurance offers after a total loss or to document diminished value after an accident.

Question 2

What is a total loss valuation?

Accepted Answer

A total loss valuation determines what your vehicle was worth right before an accident or loss when it cannot be reasonably repaired. Insurance companies use this value to calculate your settlement. We review your vehicle's details and use real market data to ensure the amount offered reflects a fair market value.

Question 3

What is diminished value?

Accepted Answer

Diminished value is the loss in a vehicle’s resale value after it has been involved in an accident, even if it has been properly repaired. Most insurance companies do not automatically include diminished value in a claim. We can provide independent, market-based evidence to support a fair diminished value settlement.

Question 4

What can I do if my insurance company’s total loss offer is too low?

Accepted Answer

Insurance companies determine a vehicle’s value using their own valuation reports. If you believe the settlement offer is too low, you have the right to dispute it. You can hire an independent auto appraiser to provide a documented market valuation that can be used to negotiate with the insurance company and support a higher settlement.

Question 5

When should I get an appraisal?

Accepted Answer

You should consider an appraisal if:
Your insurance company declared your vehicle a total loss
You believe their settlement offer is too low
You want to file a diminished value claim

Question 6

How does the appraisal process work?

Accepted Answer

Step 1: Submit your vehicle and claim information. 
Step 2: We research comparable vehicles in your local market.
Step 3: You receive a certified appraisal report you can use to dispute the insurance offer.

Question 7

Are your appraisals accepted by insurance companies?

Accepted Answer

Yes. Our reports follow the standards set by the Uniform Standards of Professional Appraisal Practice and the Bureau of Certified Auto Appraisers.

Question 8

How do USPAP and BOCAA work together? Are they different standards?

Accepted Answer

The Uniform Standards of Professional Appraisal Practice (USPAP) is the nationally recognized set of ethical and performance standards that governs how appraisal services are conducted across many industries, including automotive appraisals. It establishes the framework for how appraisals must be performed, documented, and reported.
The Bureau of Certified Auto Appraisers (BOCAA) is a professional organization that certifies auto appraisers and ensures its members are properly trained and qualified. BOCAA requires its certified appraisers to follow USPAP standards when performing appraisals.
In other words, USPAP is the standard, and BOCAA is a certifying body that enforces and upholds those standards within the auto appraisal industry. They are not competing or separate appraisal standards, instead, they work together to ensure consistency, credibility, and professionalism in every appraisal.

Question 9

What if the appraisal doesn’t increase my settlement?

Accepted Answer

If your claim is denied or settles for less than $1,000, we'll refund your fee.

Question 10

Do you provide auto appraisals nationwide?

Accepted Answer

We provide independent auto appraisal services across most of the United States. However, due to state regulations, we are currently unable to provide appraisal services in Connecticut, Delaware, Oregon, and South Carolina.

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