⬤ Independent Auto Appraisal Specialists

Your Insurer's Total Loss Offer Is Likely Too Low.

Before you accept their number, get an independent appraisal. Using the appraisal clause, a right written into most auto policies, our licensed appraisers challenge the insurer’s valuation. Most clients recover $2,000 to $5,000+ above the initial offer.

Licensed Appraisers

20+ Years Experience

Risk-Free Guarantee

Get Your Free Claim Assessment

See How It Works

$3,800+

AVERAGE RECOVERY

95%

CLIENT SUCCESS RATE

What our clients recovered

“I had a great experience working with this appraisal service. After my car was declared a total loss, the insurance company offered a settlement that felt unfair and way below what my vehicle was worth. … Read more

VitalEnergy Motorsport

Tu Apr, 2026

“Wow! Just wow! John hits it out the park every time! I’ve had two claims he has worked with me on, and he blew it out the water both times! He was transparent, honest and really … Read more

Yohana Gedam

Sa Apr, 2026

”Had a wonderful experience with Johnny Walker! He was able to get me a 168% increase from my original appraisal! Was very easy to work with & had great communication through out the whole process!! “

Mackenzie Greer

Th Jan, 2026

The Core Argument

The Insurer's "Final Offer" Is Not Actually Final

When an insurer declares your car a total loss, they run their own valuation using their own software. That number is not impartial. It routinely undervalues vehicles by omitting comparable sales, ignoring recent market conditions, and misclassifying vehicle condition.

Most auto policies include an appraisal clause, giving you the right to challenge that offer with an independent licensed appraiser.
It’s not a complaint or lawsuit it’s a formal process already written into your policy.

Important

Most policies require you to invoke the appraisal clause within a specific timeframe after receiving an offer. The sooner you act, the more options you have.

How the process works

Book a Call

Get an appraisal report issued by a licensed appraiser.

Invoke Appraisal

Email your insurer that you've decided to invoke the appraisal clause provision.

Increase Settlement

Collect the money and recover your losses!

The Result

You get the fair market value payout.

The Experience

What Working With Us Looks Like

From your first conversation to a resolved claim, we handle the complexity. You focus on moving forward.

Free 15-Minute Claim Assessment

We review your insurer’s offer, your policy language, and your vehicle. We tell you honestly whether we think we can recover more, and what the process involves.

Independent Vehicle Appraisal

Our licensed appraiser conducts a full valuation using current comparable sales, real market data, and a documented condition assessment of your vehicle.

Formal Clause Invocation

We invoke the appraisal clause on your behalf and submit the independent appraisal through the proper process. The insurer is required to engage.

Resolved Claim

Most cases settle before reaching an umpire. You receive a revised offer reflecting your vehicle’s actual market value.

$ 0 +

Average Recovery
Per Client

0 %

Cases Resolved
Without Umpire

0 +

Years Industry
Experience

$ 0

Cost If We Can’t
Recover More

Why Clients Trust Us

Expertise That Actually Matters

We are not a claims management mill. We are specialist appraisers who have been doing this work since before the internet made it easy to look up car values.

Licensed and Credentialed Appraisers

Our appraisers hold active state licenses and professional appraisal certifications.
Every report we produce is signed, documented, and defensible in an umpire hearing. This is not a valuation pulled from a website.

20+ Years of Appraisal Experience

We have been working in auto appraisal and total loss claims since before most of the software insurers now use existed.
We know where their valuations fail, and we know how to document the difference.

We Only Win When You Win

If the independent appraisal does not result in a higher settlement than the insurer’s offer, you pay nothing.
Our fee is structured around your recovery. There is no incentive for us to take on cases we do not believe we can win.

The Win-Win Warranty!

We have over 20 years experience in the auto claims industry, and are confident in our established skillsets when working to get you a fair payout. However, we also believe you shouldn’t have to pay for a result you don’t get.
This means, if the independent appraisal process does not result in a final settlement increase of at least double our service fee, we will issue you a refund.

* Typical settlement increases vary based on vehicle condition and local market data. See full terms for refund eligibility.

Get Your Free Claim Assessment

More Client Outcomes

Real Recoveries, Real People

“When our insurance company wouldn’t budge, we hired Johnny. His communication with us was excellent and he got us over 2600 dollars more for our vehicle. We are so glad we hired you Johnny because you got results when we couldn’t. “

Chris Kester

Sa Jan, 2026

” Can’t say enough positive about working with Johnny – the results speak for themselves!”

Quentin Orem

Mo Apr, 2026

“Johnny is an awesome guy that does excellent work. The new evaluation price Johnny fought for me made life more easy going after having my new car totaled. Not only is Johnny … Read more

Mid Night

We Jan, 2026

Common Questions

What You Need to Know

The insurance company already gave me a Total Loss offer. Can I still get more?

Yes! Insurance companies use software designed to find the lowest possible “market value” for your car. Our licensed appraisers perform an independent valuation, often finding thousands of dollars in missed value, to ensure you get a settlement that actually reflects what your car is worth. Don’t settle for their first offer; book a call to see how much more you could recover.

What is the "Appraisal Clause," and how does it help me?

Most auto insurance policies contain an “Appraisal Clause.” This is your legal right to dispute a low settlement offer by hiring your own independent appraiser. We specialize in invoking this clause to force a fair negotiation. If you feel like your insurer isn’t listening, book a call for more details on how we can take the lead for you.

Is it worth hiring an appraiser for a smaller claim?

In many cases, yes. Our clients often see settlement increases of $2,000 to $5,000 or more. We offer a preliminary review to tell you upfront if our services will provide a significant return on your investment. If we don’t think we can help you get more money, we’ll tell you. Book a call now to get your assessment.

How long does the process take?

We know you need your settlement money fast. Our online appraisal process is designed for speed. Once we have your vehicle information, we work quickly to issue a professional report that insurance companies respect. The sooner you book a call and get started, the sooner you can put this claim behind you with the full amount you deserve.

The insurance company told me their offer is "final."?

Almost never. Insurance companies often use “final” as a negotiation tactic to see if you’ll accept a low-ball settlement. Until you sign a release, you have the right to challenge their valuation with a certified independent appraisal. By booking a call, you can access the professional documentation needed to reopen negotiations and prove your car’s true value.

Why should I choose Claims.Coach instead of handling it myself?

Insurance adjusters negotiate claims every day. It’s their job to save the company money. Claims.Coach levels the playing field. We provide expert, unbiased, and nationwide-certified reports that insurers cannot easily dismiss. We handle the technical “valuation speak” so you don’t have to. Don’t settle for a lopsided fight; book a call and let an expert coach you to a win.

Have any questions? Get in Touch

Take the First Step

Find Out How Much You're Owed

Book a free 15-minute claim assessment.
No obligation, no sales pitch.
We review your offer and tell you honestly whether an independent appraisal is likely to recover more.