“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.”
How I Can Help
Not every insurance valuation is worth challenging. Send me yours, and I’ll take a look at what your vehicle might actually be worth. If I think there’s a case to pursue, I’ll explain why.
Send Me Your Valuation
Start with the free second opinion form below. Include your insurer’s valuation report if you have it.
How I Review Your Case
- First, I pull the vehicle’s build sheet and equipment details when available. Packages and options are some of the easiest things for an insurer to miss.
- Then it’s on to the current market. That means searching active listings on major automotive marketplaces like Cars.com, Autotrader, CarGurus, and more. I also search nationwide dealer inventory directly through my professional MarketCheck subscription.
- If it’s a classic, rare, or enthusiast vehicle, I dig into historical sales data from Bring a Trailer, Cars & Bids, Classic.com, and other relevant sources.
- When the relevant market is private sellers, I check Facebook Marketplace, Craigslist, and enthusiast forums too.
- Everything gets cross-checked against Kelley Blue Book, J.D. Power, Black Book, and Manheim wholesale data.
- Finally, you get a straight answer. An estimated value range and my honest recommendation, even if that means telling you the insurance company’s offer is fair.
Appraisal Clause Representation
If I believe your case is worth pursuing and you decide to move forward, I’ll provide the paperwork and instructions to invoke the appraisal clause under your insurance policy.
- First, I prepare a detailed, USPAP-compliant certified appraisal supported by comparable vehicles, market research, and relevant valuation data, accounting for differences in mileage, equipment, condition, and other factors.
- Once the insurance company appoints its appraiser, we’ll exchange valuations. I’ll review their report, examine their comparable vehicles and adjustments, and identify any issues that need to be addressed.
- Then comes the negotiation. I’ll work directly with the insurer’s appraiser, present the evidence supporting my valuation, and negotiate toward a fair, well-supported Actual Cash Value.
- Most cases are resolved without an umpire. In the rare cases where the appraisers can’t agree, I’ll continue representing you through the umpire process.
- Throughout the process, I’ll handle communications with the insurer’s appraiser and keep you updated on our progress, any decisions that need to be made, and the final outcome.


