“My insurance company originally offered about $8k. With an easy email and a bit of info, they got me $11k, and all done within less than a week.”
Certified · Independent · Fair
Fair Auto Appraisals
Insurance Lowballed Your Total Loss? We Fight Back.
Insurance companies routinely undervalue totaled vehicles by thousands. As an ASCAA certified independent auto appraiser, I represent you through the appraisal clause process and fight to get you paid what your vehicle is actually worth.
How it Works
Initial 2nd Opinion
Request a free 2nd opinion and we will let you know if we think the insurance company's offer is fair or if they're undervaluing your claim. We usually respond within just a few hours.
Invoke the Appraisal Clause
If we find the offer too low, we will recommend that you invoke the appraisal clause. If you agree, we will provide a letter of representation and clear instructions on how to proceed.
Appraisal & Representation
Once you invoke the appraisal clause, we handle everything from there. We will prepare a USPAP-compliant appraisal of your vehicle that's 30+ pages long and considers all relevant factors, including condition, market trends, and comparable sales.
We will handle all communication with the independent appraiser hired by the insurer, actively negotiate on your behalf, and coordinate the umpire process if needed. We'll keep you updated every step of the way. Our goal is to secure the best possible outcome for you.
Pricing
Our fee is $300 for the certified appraisal report, plus a 20% success fee calculated only on the amount we are able to increase the vehicle's value. The success fee covers our full representation throughout the appraisal clause process and is capped at $2,500.
No Risk, Money Back Guarantee
If we accept your case but cannot increase your vehicle's value by at least $1,000, you will receive a full refund of the appraisal fee and no success fee or any other fees will be owed. This ensures there's no financial risk in hiring us.
Timeline
The process typically takes 1-3 weeks from start to finish. Most cases are resolved quickly once both appraisers are in contact, and it's rare for an umpire to be needed.
My Story
Fair Auto Appraisals LLC was born out of my frustration with insurance companies' lowball offers, something I experienced not once, but twice. In 2012, I lost my mint condition 1992 Toyota Pickup in a rollover accident on an icy mountain road. In 2023, I lost my 1998 Dodge Ram with a 12 Valve Cummins to an engine fire on the I-15 while heading out on a camping trip to St. George, Utah. Both times, I faced settlement offers that significantly undervalued my vehicles.
I fought hard and ultimately secured fair settlements both times. Those experiences sparked a passion in me for helping others fight for what's fair, which ultimately led me to start Fair Auto Appraisals.
We all pay a lot into insurance every month, so it's only fair that they are there for us when we actually need them. It's easy to feel powerless against these large companies, but you have rights. I've been in your shoes, and as an independent vehicle appraiser certified by the American Society of Certified Auto Appraisers (ASCAA), I'm dedicated to fighting for fair payouts for my clients.
My goals are simple: to produce accurate, well-supported, and defensible appraisal reports, then use them to fight for the fair settlement you deserve through the appraisal clause process.
Testimonials
“They were able to get my insurance company to increase the value of my car an additional $4,817.88. Thus putting about $4,000.00 in my pocket.”
“In my case he increased my totaled vehicle payout by over 30%. Most importantly, he kept me from dealing with the insurance company any longer. Definitely worth it!”
“The case ended up before an Umpire and my award was over 20k above the first payout. His fee was reasonable and he fought hard for me.”
“Professional, knowledgeable, and responsive throughout the entire process. He took the time to explain everything clearly and worked diligently to ensure a fair valuation.”
“Fair Auto Appraisals did a great and fast job getting me a much better settlement than I would have gotten otherwise.”
“I was very happy with the results he achieved (a value increase of $5k!) and would highly recommend him to anyone.”
“I was skeptical at first, but decided to proceed with the appraisal clause on my insurance and was able to get an additional $1500 increase on the ACV of my Tesla Model Y after fees paid.”
“Helped me get the correct value for my vehicle after the insurance organization tried to undervalue my car by several thousand dollars!”
“They fought for the highest price, made sure insurance was staying timely, and handled all the communication. I received a higher appraisal than what I bought the car for 1 month prior.”
“Big stress relief once I was able to turn over the negotiations to a professional. A few weeks later a new agreed value was reached and a supplemental check was in the mail.”
“Helped me get a $5700 increase before taxes and everything from NYCM who lowballed me after I got in an accident and deemed a totaled loss.”
“Seamless process and very timely. I received almost 6k more before taxes because of their due diligence.”
“Before I paid anything, he looked over my case to make sure it would be worth the time and money to fight the insurance company.”
“It really was an easy extra $1,000. Working with Fair Auto Appraisals was a painless process for what is otherwise a very disruptive and emotionally taxing life event.”
“Helped me get what my car was really worth, really easy to talk to and completed the process sooner than expected.”
“If you need a vehicle appraisal, whether it's for an accident or anything else, I'd recommend Fair Auto Appraisals. My truck was initially valued at $3,500, and he negotiated it up to $8,900.”
“Thanks to the appraisal, our payout increased by $2,870. The whole process only took about a week, and it was absolutely worth it.”
“I went with Fair Auto Appraisals and increased my payout by a little over $1700.”
“The two appraisers agreed the car value was about $2K over the initial insurance company payout offer. After paying Fair Auto we got about $1400.”
“Great service! Results were better than expected.”
“Fair Auto Appraisals communicated clearly from the beginning of how the process may go and delivered above and beyond our expectations.”
“Fair Auto Appraisals did an amazing job with our claim and got us the amount we knew his truck was worth. He was able to get us close to 6k over the original offer.”
“Thanks to his efforts, we were able to increase the agreed-upon ACV by over $5,000. I was thoroughly satisfied with the final agreement.”
“I was able to get a second opinion with no commitment. I hope I never have to use this again, but if I do, I know who to call.”
“Your motivation to go to bat for me was tireless. Could not have proven my point to the insurance company without you.”
“What's really appreciated is that he was upfront and honest about my situation and did not try to persuade me to pay for an appraisal where I would get less than the report cost.”
“He could have taken my money and promised me more but didn't and that shows his character. I would highly recommend to anyone that needs an auto appraisal.”
“Phenomenal customer service, from the initial complimentary valuation through to engaging their services and securing a far higher valuation in less than a week.”
“Insurance offer was less than 12000. Fair Auto negotiated a value of 18570 in less time than I expected. Very satisfied with their service.”
“Excellent response. Helped me get a higher ACV from the insurance company on my truck.”
“The appraisal process was quick and painless. We could not be happier with the result and with how easy the entire process was!”
“From the first phone call to the final resolution, everything was smooth and easy. I got personal service that was prompt, friendly and attentive.”
“I had been fighting with State Farm for over 6 months over what they valued my 1994 Toyota Land Cruiser. Fair Auto Appraisals did an actual fair appraisal and State Farm accepted it.”
Pricing
Appraisal Only
$400
A certified, USPAP-compliant vehicle appraisal completed remotely using photos and documentation. For loans, agreed value policies, legal matters, or anywhere you need a professional valuation on paper. This does not include insurance dispute representation.
Classic vehicles, commercial vehicles, or heavy equipment? Contact us for a custom quote before ordering.
Order a Remote AppraisalInsurance Dispute Full Representation Service
$300
plus 20% of the increase in ACV
Hire us for appraisal and full representation through the appraisal clause process. We perform a USPAP-compliant appraisal report, build your case, and negotiate directly with the insurance company's appraiser, including any additional negotiations if an umpire needs to be brought in.
See how a success-based fee aligns our interests with yours.
Order Insurance Dispute ServiceZero-Risk Money-Back Guarantee
If we accept your case, you hire us, and you invoke the appraisal clause on our recommendation, but the appraisal process fails to increase your vehicle's actual cash value by at least $1,000 over the insurer's initial offer (excluding taxes, fees, and deductible), you receive a full refund and are not charged for our services. No questions asked.
Recent Successes
Frequently Asked Questions
How does the appraisal process work?
First, we identify advertised or recently sold comparable vehicles in terms of make, model, year, mileage, condition, and specifications.
We consider the original manufacturer specifications, features, and options of the vehicle to determine its intrinsic value. We also take into account any special or rare features that may enhance the vehicle’s desirability and value, such as limited production runs, special editions, or performance upgrades.
Finally, we adjust comparable vehicle values to account for differences in mileage, condition, options, and other relevant factors.
What types of vehicles do you appraise?
We specialize in appraising all types of vehicles, including cars, trucks, SUVs, motorcycles, RVs, semis, classic cars, trailers and more.
What is a value dispute appraisal?
A value dispute auto appraisal is an independent vehicle valuation report that is generally used by a vehicle owner when there is a disagreement between the vehicle owner and their insurance company regarding the value of a damaged, totaled, or stolen vehicle.
Why might I want a total loss appraisal?
Insurance companies often aim to settle claims for the lowest possible amount. Having an independent appraisal can help ensure that you receive fair compensation for your total loss vehicle or for the diminished value of your repaired vehicle.
Can I challenge my insurance company's settlement offer?
Yes, you have the right to challenge your insurance company’s settlement offer if you believe it is unfair. Our appraisal services can provide you with the evidence and documentation needed to support your claim and negotiate for a fair settlement.
How long does the appraisal process take?
Most valuation reports are returned within 24 hours of receipt of payment & all of the necessary vehicle information & details that are requested
Are your appraisals accepted by insurance companies?
Our appraisals are conducted in accordance with industry standards and are widely accepted by insurance companies. However, if there are any issues with acceptance, we can provide additional documentation and support to facilitate the claims process at no additional cost.
Free 2nd Opinion
Before founding Fair Auto Appraisals LLC, I found myself navigating the appraisal clause process firsthand. When it came time to hire an appraiser, I knew that I wanted to work with an appraiser who answered all of my questions in a timely manner and who would provide a professional looking, well documented valuation report.
The biggest challenge for me was that I couldn't preview different appraisers' reports without committing and paying for one. I ended up paying for an appraisal only to be disappointed by the quality of the work. Frankly, the appraiser took 10 days and in the end the report resembled the work of a fifth-grader! To make matters worse, my insurance company dismissed it entirely because the appraiser did not break down the value adjustments that were applied to each comparable. When I requested revisions to the appraisal, the appraiser demanded additional fees, needless to say I was very disappointed.
Also taken into account are any special or rare features that may enhance the vehicle's desirability and value, such as limited production runs, special editions, or performance upgrades. I approach every appraisal with the mindset that it could end up being scrutinized by a judge.
I would be happy to review your scenario for free, just fill out the form to the right and if you would like me to send you a sample of one of my appraisal reports you can check the box next to that option and I will email you a copy.
You don't have to accept your insurance company's lowball offer.
Understanding the Appraisal Clause →

