The insurer’s number is an opening position.
Two moments in the aftermath come down to a number somebody else proposed: the total loss offer, and what a repaired vehicle is worth afterward. An independent appraisal is how you answer in both, and asking costs you nothing here.
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Total loss: check before accepting
Comparable listings, condition, mileage, and recent maintenance all move a total loss number, and accepting before checking is the expensive version. An independent appraisal gives you a documented figure to answer with.
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Diminished value after a repair
A vehicle repaired perfectly still carries an accident history, and the history costs money at resale. In many states that loss is itself a claim against the at-fault side. A diminished value appraisal puts a defensible number on it.
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What we do, and where we stop
We route your request to participating independent vehicle appraisers and diminished value specialists. We do not negotiate with insurers, handle claims, or give advice, and where a dispute turns legal, that is the legal lane, one request away.
You would not take the first offer on anything else you own.
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