Technology that looks deeper.
Appraisers who work for you.
Your insurance offer deserves more than a quick glance. We combine advanced AI-assisted research with experienced human appraisal to investigate the details and support your vehicle’s value.
We only work for consumers. We do not accept assignments from insurance companies.
Whose insurance is handling your loss?
Get to the guidance that fits your claim without a required questionnaire.
Check the report.
Then check your appraisal clause.
If corrections do not resolve the value disagreement, your policy may provide a formal appraisal process. We can serve as your appointed appraiser on accepted assignments.
Explore your policy appraisal options →Build evidence for
your own value demand.
An appraisal report can help document your vehicle’s value. You or your attorney present that evidence. We do not negotiate third-party claims or provide legal representation.
Understand the report-only route →Not sure? Our guide helps identify which claim path applies.
Your vehicle’s value
sets the goal.
We are not working toward a marketing threshold. We are working to establish what the vehicle was worth, using the records, relevant market evidence and professional appraisal judgment.
Reaching an increase is not, by itself, the finish line.
When relevant evidence still needs to be examined, a particular increase is not a reason to stop looking. In an appraisal-clause assignment, our work includes explaining and defending a supported valuation in discussions with the insurer’s appraiser.
Consumer advocacy means giving you informed support and clear answers. It does not mean inflating a value or promising a result the evidence cannot support.
AI helps us investigate.
An appraiser makes the call.
We use AI and modern research tools to organize information, cross-check details and identify questions worth investigating. Our senior appraiser, with more than 40 years of experience appraising vehicles, directly oversees the work. Other reviewing appraisers have at least 10 years of appraisal experience.
Verify the vehicle
Cross-check trim, drivetrain, mileage and equipment. Review original window-sticker and build information where available.
Test the evidence
Examine comparable selection, condition deductions and mileage adjustments. A flagged difference needs investigation, not an automatic dollar increase.
Support the conclusion
Qualified appraisers assess the findings and control the finished valuation. This is not an AI-generated estimate delivered without professional review.
Human oversight does not mean every assignment includes an in-person vehicle inspection. Inspection needs and access are determined for the specific assignment.
CCC ONE. Mitchell. Audatex.
Look past the final number.
The provider’s name does not tell you whether a particular report is accurate. Check the vehicle description, the comparables used and the adjustments that actually affect the result. Ask for a documented explanation of differences you cannot reconcile.
Use our valuation-report checks →Protect your next step.
State-specific answers.
Useful local context.
Our Oregon guides bring together claim information, market research checks and local resources. Service eligibility depends on the policy, claim and assignment.
Ask the questions
that reveal the actual service.
A polished website is a starting point. Ask for specific answers about the person doing the work, the scope and the evidence.
1. What vehicle-appraisal credential do you hold, and who issued it?
Ask for the appraiser’s name, credential number, issuing authority and current status. For an independent appraisal under ORS 742.466, Oregon recognizes a vehicle appraiser certificate issued under ORS 819.480 or a vehicle appraiser certificate or license from another state or government body. A private course certificate or association membership is not, by itself, the same government-issued credential.
Oregon’s Vehicle Appraiser Certificate is administered by ODOT Driver and Motor Vehicle Services. Confirm the credential with the issuer rather than relying on a badge or the word “certified.” Ask whether the qualification fits this particular assignment.
2. Do you accept assignments from insurance companies?
Ask whether the individual or company accepts insurer assignments, and whether any existing relationship creates a conflict in your case. “Independent” does not necessarily mean “consumer-only.” Total Loss Network accepts consumer assignments only and does not work for insurance companies. Our conclusions must still be impartial and supported by evidence.
3. Who will actually prepare, review and sign my appraisal?
Ask whether the named expert does the work or delegates it, who oversees assistants, and who answers questions about the finished report. At Total Loss Network, our senior appraiser with more than 40 years of vehicle-appraisal experience directly oversees every assignment. Other reviewing appraisers have at least 10 years of appraisal experience.
4. How do you use AI, and what does a human verify?
Ask which tasks use automation, who checks the inputs and source records, and who takes responsibility for the value conclusion. We use AI-assisted research and cross-checking under direct appraiser control. Our finished appraisal is not an unreviewed AI estimate.
5. Have you appraised vehicles and disputes like mine?
Ask about experience with your vehicle type, unusual equipment, the relevant market and the policy appraisal process. General automotive experience and experience appraising vehicles are different questions. Ask for relevant examples without requesting another customer’s private records.
6. Am I buying a report or an appointed-appraiser service?
Get the scope in writing. Who presents the report? Who discusses value with the opposing appraiser? What happens if they disagree? Our report-only service provides evidence for you or your attorney to present. Our accepted appraisal-clause assignments include serving as your appointed appraiser. We do not negotiate third-party claims.
7. How will you verify equipment, comparables and adjustments?
Ask how the appraiser checks trim, drivetrain, mileage, condition and title history. Ask what supports the comparable selection and each material adjustment. We cross-check equipment and window-sticker information where available and investigate the calculations behind the result.
8. What is the complete fee, payment schedule and possible extra cost?
Ask about report revisions, umpire costs, cancellation, early termination and payment timing. Confirm whether a percentage is charged and whether a quoted fee covers the entire agreed scope. Our current fees and service boundaries are on the Pricing page.
9. Does a guarantee describe a refund or promise my vehicle’s value?
Read eligibility and exclusions. Separate a gross increase from what remains after fees and other costs. No marketing threshold establishes what your vehicle was worth. We do not guarantee an increase; our work follows the evidence rather than a target number.
10. Will I need an inspection, and how will my records be handled?
Ask whether existing photographs and records are sufficient, who arranges any inspection, and what happens if the vehicle moves or is sold. Ask where documents go, who can access them and what the retention policy is before uploading. Human oversight does not automatically mean an in-person vehicle inspection.
Oregon credential guidance checked October 11, 2026. Qualifications and policy requirements vary by assignment and jurisdiction. These questions help you compare services; they do not establish that another provider is unqualified.
Clear answers before you commit.
Do you work for insurance companies?
No. We accept consumer assignments, not assignments from insurers. Our conclusions still have to be impartial and supported by evidence.
Does every low offer need a paid appraisal?
No. Factual corrections may resolve the issue. Consider the remaining difference, supporting evidence and service cost before deciding to proceed.
Can you guarantee a higher settlement?
No. A review may or may not support an increase. We are responsible for the quality of our appraisal work, not for promising an outcome.
Information, not legal advice.
TotalLoss.net provides general educational information about vehicle claims, valuations and related resources. Nothing on this site, including guides, examples, checklists, suggested wording, forms or links, is legal advice or a substitute for advice from a licensed attorney about your particular circumstances. TotalLoss.net does not provide legal representation.
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