A second opinion is the start.
A supported value is the goal.
When your own insurer’s total loss valuation does not reflect your vehicle, an appraisal-clause assignment gives you more than a report. You get an experienced appraiser to research, explain and defend a supported value.
100 claim records.
The difference in dollars.
Historical results supplied by our appraisal team, including work completed before the Total Loss Network brand. These figures describe the supplied dataset, not a promised outcome or every claim the team has handled.
100 of 100
Recorded increases greater than $1,000.
$415,269.58
Total recorded increase over the insurer offers.
$4,152.70
Average recorded increase per claim.
Increase means the listed final amount minus the listed insurer offer, before appraisal fees or other costs. It is not net take-home recovery. Results depend on the vehicle, evidence, policy and claim. No increase is guaranteed. Dates are not available for every record, so this is not presented as an independently verified consecutive last-100 cohort.
View the 100 anonymized claim records
| Insurer | Vehicle as recorded | Offer | Final amount | Increase |
|---|---|---|---|---|
| GEICO | 1997 Toyota 4Runner | $11,864.00 | $30,000.00 | $18,136.00 |
| Safeco | 2023 Mercedes-Benz E-Class E63 AMG S 4MATIC+ | $110,505.00 | $127,500.00 | $16,995.00 |
| State Farm | 2006 Dodge Ram 2500 SLT Quad | $7,025.00 | $17,850.00 | $10,825.00 |
| Progressive | 1994 Chevrolet Cheyenne | $2,459.52 | $11,200.00 | $8,740.48 |
| State Farm | 2019 Ford Super Duty F-350 | $34,161.00 | $42,550.00 | $8,389.00 |
| State Farm | 2023 Tesla Model Y AWD | $12,784.00 | $20,828.33 | $8,044.33 |
| USAA | 2021 RAM 1500 Big Horn | $30,228.00 | $38,000.00 | $7,772.00 |
| State Farm | 2018 BMW 3 Series 330i | $13,982.00 | $21,000.00 | $7,018.00 |
| State Farm | 2019 Dodge Charger | $15,856.00 | $22,670.00 | $6,814.00 |
| State Farm | 2025 Toyota Grand Highlander Hybrid Limited | $49,415.00 | $56,077.00 | $6,662.00 |
| State Farm | 2023 Porsche Taycan GTS AWD | $92,023.00 | $98,500.00 | $6,477.00 |
| State Farm | 2024 Toyota Tundra 4WD Hybrid TRD Pro CrewMax | $56,307.00 | $62,596.00 | $6,289.00 |
| State Farm | 2024 Toyota Tacoma Hybrid TRD Off Road | $46,716.00 | $52,500.00 | $5,784.00 |
| Safeco | 2014 Dodge 1500 | $13,277.00 | $19,000.00 | $5,723.00 |
| Tesla | 2023 | $30,359.00 | $36,000.00 | $5,641.00 |
| State Farm | 2018 Ford F-150 XLT | $20,510.00 | $26,086.00 | $5,576.00 |
| GEICO | 2019 BMW M5 Competition | $53,468.00 | $59,000.00 | $5,532.00 |
| Allstate | 2023 | $30,282.00 | $35,602.92 | $5,320.92 |
| American Family (AMFAM) | 2024 Chevrolet Silverado 1500 | $46,100.00 | $51,276.63 | $5,176.63 |
| State Farm | 2020 Toyota Camry Hybrid | $15,266.00 | $20,400.00 | $5,134.00 |
| State Farm | 2007 Subaru Impreza WRX STI Limited | $25,918.00 | $31,050.00 | $5,132.00 |
| Allstate | 2014 Honda CR-V LX | $8,519.25 | $13,462.24 | $4,942.99 |
| Allstate | 2013 Subaru Impreza Sedan WRX | $13,236.00 | $18,163.00 | $4,927.00 |
| GEICO | 1998 Toyota 4Runner | $5,230.00 | $10,000.00 | $4,770.00 |
| State Farm | 2019 Honda Insight | $17,080.00 | $21,750.00 | $4,670.00 |
| USAA | 2018 Lexus ES 300h | $20,409.00 | $25,000.00 | $4,591.00 |
| Country Financial | 2025 RAM 350 | $74,495.00 | $79,000.00 | $4,505.00 |
| GEICO | 2009 Infiniti G37 Convertible | $7,351.00 | $11,800.00 | $4,449.00 |
| USAA | 2024 Subaru Outback | $29,572.00 | $34,000.00 | $4,428.00 |
| State Farm | 2015 INFINITI Q60 Convertible | $9,267.00 | $13,640.00 | $4,373.00 |
| AMFAM | 2016 | $19,597.00 | $23,900.00 | $4,303.00 |
| State Farm | 2013 Ford F-150 STX SuperCab 4WD | $14,853.00 | $19,050.00 | $4,197.00 |
| USAA | 2012 Volkswagen Jetta Sedan SE | $2,833.00 | $7,000.00 | $4,167.00 |
| State Farm | 2019 Toyota RAV4 | $21,695.00 | $25,850.00 | $4,155.00 |
| State Farm | 2012 Toyota RAV4 FWD | $6,756.00 | $10,850.00 | $4,094.00 |
| State Farm | 2015 Subaru Forester XT Touring | $14,194.00 | $18,255.25 | $4,061.25 |
| USAA | 2004 Dodge Sprinter Wagon 2500 | $8,942.00 | $13,000.00 | $4,058.00 |
| GEICO | 2016 Ram 3500 | $22,694.00 | $26,750.00 | $4,056.00 |
| State Farm | 2011 Acura TSX Wagon | $2,048.00 | $6,064.46 | $4,016.46 |
| Bristol West | 2005 Toyota Tundra Limited Double Cab 4WD | $14,988.97 | $18,750.00 | $3,761.03 |
| State Farm | 2022 RAM 1500 Big Horn Black Widow | $43,694.00 | $47,350.00 | $3,656.00 |
| Travelers | 2024 GMC Terrain SLE | $22,411.00 | $26,000.00 | $3,589.00 |
| Allstate | 2020 Honda Fit | $12,448.56 | $16,000.00 | $3,551.44 |
| State Farm | 2013 Ford F-150 | $15,466.00 | $19,000.00 | $3,534.00 |
| USAA | 2005 Dodge Dakota | $4,687.00 | $8,221.00 | $3,534.00 |
| State Farm | 2015 Volkswagen Golf SportWagen TDI SE | $12,510.00 | $16,000.00 | $3,490.00 |
| Farmers | 1999 Chevrolet Silverado | $8,519.25 | $12,000.00 | $3,480.75 |
| Progressive | 2018 Chevrolet Camaro ZL1 | $54,029.80 | $57,500.00 | $3,470.20 |
| Allstate | 2024 Toyota Highlander Hybrid Platinum AWD | $48,095.00 | $51,500.00 | $3,405.00 |
| State Farm | 2015 Infiniti QX80 | $9,052.00 | $12,400.00 | $3,348.00 |
| State Farm | 2021 Toyota Venza XLE AWD | $26,843.00 | $30,000.00 | $3,157.00 |
| Liberty Mutual | 2013 Toyota Tundra 4WD CrewMax | $15,861.29 | $19,000.00 | $3,138.71 |
| State Farm | 2014 Kia Soul + | $6,285.00 | $9,400.00 | $3,115.00 |
| Progressive | 2024 Toyota 4Runner TRD Off Road Premium | $45,943.95 | $49,000.00 | $3,056.05 |
| GEICO | 2021 Subaru WRX Manual | $23,000.00 | $26,000.00 | $3,000.00 |
| State Farm | 2022 Toyota RAV4 | $30,571.00 | $33,500.00 | $2,929.00 |
| USAA | 2015 Ford F-150 King Ranch SuperCrew | $25,079.00 | $28,000.00 | $2,921.00 |
| State Farm | 2016 Ford Flex Limited | $9,086.00 | $12,000.00 | $2,914.00 |
| GEICO | 2003 Acura TL | $5,744.00 | $8,625.00 | $2,881.00 |
| USAA | 2011 Land Rover Range Rover | $7,655.00 | $10,500.00 | $2,845.00 |
| State Farm | 2007 Subaru Forester X | $2,175.85 | $5,008.85 | $2,833.00 |
| Allstate | 2013 Honda Accord Coupe | $12,133.00 | $14,943.19 | $2,810.19 |
| USAA | 2013 Hyundai Genesis Coupe | $8,692.93 | $11,500.00 | $2,807.07 |
| State Farm | 2015 Honda CR-V LX FWD | $6,312.00 | $9,075.00 | $2,763.00 |
| State Farm | 2012 Toyota Camry Hybrid XLE | $7,843.00 | $10,605.00 | $2,762.00 |
| Progressive | 2013 Subaru Impreza | $7,273.50 | $9,929.75 | $2,656.25 |
| Allstate | 2022 Subaru Forester Limited | $26,911.00 | $29,500.00 | $2,589.00 |
| State Farm | 2018 Chevrolet Bolt EV LT | $10,242.00 | $12,800.00 | $2,558.00 |
| State Farm | 2021 Toyota Camry SE | $19,489.00 | $22,005.50 | $2,516.50 |
| GEICO | 2015 Audi Q5 | $9,157.00 | $11,650.00 | $2,493.00 |
| MGA / GAINSCO / State Farm | 2019 Nissan Sentra | $5,750.00 | $8,219.50 | $2,469.50 |
| Nationwide | 2014 BMW X3 xDrive | $5,804.00 | $8,170.39 | $2,366.39 |
| USAA | 2013 Infiniti G37 | $11,240.00 | $13,584.56 | $2,344.56 |
| Progressive | 2013 Toyota Highlander Limited | $11,659.34 | $14,000.00 | $2,340.66 |
| State Farm | 2007 Dodge Charger | $5,306.00 | $7,635.00 | $2,329.00 |
| State Farm | 2011 Toyota Prius II | $9,904.00 | $12,200.00 | $2,296.00 |
| USAA | 2015 Volkswagen Golf TDI S Manual | $8,729.00 | $11,000.00 | $2,271.00 |
| State Farm | 2012 RAM 2500 Laramie | $30,068.00 | $32,275.00 | $2,207.00 |
| State Farm | 2012 Hyundai Genesis | $4,606.58 | $6,800.00 | $2,193.42 |
| GEICO | 2024 Ford F-150 Lightning Lariat SuperCrew 4WD | $50,657.00 | $52,790.00 | $2,133.00 |
| Allstate | 1992 Dodge Stealth | $13,460.00 | $15,500.00 | $2,040.00 |
| State Farm | 2012 Honda Civic Sedan EX-L | $7,487.00 | $9,500.00 | $2,013.00 |
| State Farm | 2012 Hyundai Sonata | $4,496.00 | $6,458.00 | $1,962.00 |
| Allstate | 2020 Chevrolet Traverse | $21,796.00 | $23,750.00 | $1,954.00 |
| State Farm | 2011 Nissan Altima S | $5,258.00 | $7,200.00 | $1,942.00 |
| State Farm | 2017 Honda Accord Touring | $18,131.00 | $19,950.00 | $1,819.00 |
| Mobilitas | 2022 Hyundai Kona Electric Limited | $17,371.00 | $19,187.00 | $1,816.00 |
| State Farm | 2017 Nissan S | $4,798.00 | $6,500.00 | $1,702.00 |
| Amica | 2011 Toyota Highlander Hybrid Limited | $8,083.00 | $9,670.99 | $1,587.99 |
| State Farm | 2001 BMW 3 Series 325i | $3,981.00 | $5,500.00 | $1,519.00 |
| State Farm | 2002 BMW 330Ci | $4,240.00 | $5,750.00 | $1,510.00 |
| Farmers | 2016 Land Rover Range Rover | $13,496.00 | $15,000.00 | $1,504.00 |
| USAA | 2017 Ford Escape | $11,086.00 | $12,500.00 | $1,414.00 |
| Progressive | 2011 Jeep Wrangler Rubicon | $17,631.08 | $19,000.00 | $1,368.92 |
| Liberty Mutual | 2003 Ford SD F250 | $7,948.00 | $18,000.00 | $10,052.00 |
| GEICO | 2012 Ford F150 | $3,266.00 | $8,300.00 | $5,034.00 |
| State Farm | 2017 Honda Odyssey | $17,734.00 | $22,750.00 | $5,016.00 |
| Progressive | 2014 Mazda Mazda6 | $6,173.11 | $10,400.00 | $4,226.89 |
| State Farm | 2006 Ford Super Duty F-350 XL | $8,981.00 | $13,150.00 | $4,169.00 |
| Progressive | 2016 Toyota 4Runner SR5 | $21,840.00 | $26,000.00 | $4,160.00 |
Client names and claim identifiers are omitted. Some vehicle descriptions are incomplete in the supplied records; missing details have not been invented.
Your insurer. Your policy.
A disagreement about value.
A good place to start
Your vehicle has been declared a total loss, you are claiming under your own policy, and a meaningful value disagreement remains after checking the report. Your policy must support the appraisal process and the assignment must be accepted.
A different path may fit
If another driver’s insurer is handling the claim, our report-only package can help you present your own valuation evidence. Liability, coverage, injuries and legal disputes need separate advice.
A valuation that can be explained.
An appraiser who can explain it.
Identify what matters
Verify the vehicle’s configuration, mileage, equipment and relevant condition. Cross-check window-sticker or build information where available.
Test the market evidence
Research relevant comparables and examine the insurer’s selection and adjustments. Investigate meaningful differences rather than automatically adding back every deduction.
Defend the supported value
Serve as your appointed appraiser and discuss the evidence with the insurer’s appraiser through the policy process. Explain why the comparables and adjustments support the conclusion.
A marketing threshold does not set your vehicle’s value.
We do not treat reaching a particular increase as a reason to ignore relevant evidence. Our goal is a well-supported valuation, not a promised number or an inflated demand.
A clear path through
the appraisal process.
- Check the fit. Review the offer, complete report and policy appraisal provision. Confirm whether the assignment fits before committing.
- Agree on the scope. Receive the service agreement, fixed fee, payment schedule and explanation of separate expenses such as an umpire.
- Build the valuation. Appraisers use vehicle records, market research and AI-assisted cross-checking to prepare a documented opinion of value.
- Work through the value dispute. We present the supported valuation to the insurer’s appraiser. If agreement cannot be reached, the policy may provide an umpire process.
- Document the outcome. Keep the final appraisal decision, invoice and payment records. Coverage, settlement administration and any reimbursement remain separate matters.
AI can flag a question.
It cannot take responsibility for the answer.
Our senior appraiser brings more than 40 years of vehicle-appraisal experience and oversees every assignment. The other two appraisers each bring at least 10 years of appraisal experience. Humans check vehicle facts, sources, comparable suitability and adjustments before signing off on conclusions.
Classic and specialty vehicles can demand deeper research. Our team draws on automotive communities, dealer relationships and hands-on vehicle knowledge when ordinary listings do not tell the whole story.
Meet the experience behind the network →Know what is included.
The appraisal-clause service includes research, the appraisal report and service as your appointed appraiser through the appraisal process. It is a fixed appraisal fee, not a percentage of the increase.
Confirm policy requirements, eligibility, cancellation terms and any separate umpire expense in writing. We do not guarantee an increase or reimbursement.
Make an informed decision.
Can I use this against the other driver’s insurance company?
This appointed-appraiser service is for accepted assignments under your own policy. For a third-party claim, see the report-only package.
Is the appraisal outcome always binding?
The effect of an appraisal decision depends on your policy and applicable law. Read the actual appraisal provision. An appraisal process ordinarily concerns value, not every coverage or liability dispute.
Does Oregon require my insurer to reimburse the fee?
For qualifying own-policy disputes, ORS 742.466 addresses reimbursement of reasonable appraisal costs when the final decision exceeds the insurer’s relevant prior offer. That is not a blanket promise for every fee or assignment. Read the pricing and reimbursement explanation.
Do I have to leave my vehicle in storage while disputing value?
Do not assume that you do. Storage and rental deadlines need separate attention. Confirm handling, access and release instructions with the insurer and facility in writing. A value dispute does not automatically extend those benefits.
Start with the right documents.
Choose with clear information.
Have the insurer’s complete valuation, latest written offer, vehicle details and relevant policy language ready. We confirm eligibility and the written scope before an engagement begins.
The new online intake is being prepared. No documents or payments are collected on this service page.
Information, not legal advice.
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