Washington's premier independent auto damage appraisal & public adjuster
Public Adjuster with hundreds of successful consumer recoveries
why auto apraisal matters
Insurance estimates are often incomplete, rushed, or designed to minimize payouts – not restore your vehicle properly. This problem has increased with photo-based and virtual claims that skip in-person inspections and real evaluations.
In Washington you have the right to demand appraisal through your insurance policy. If you suspect you were offered less money, you have the right to request an independent appraisal to determine the true value of your loss.
We help consumers get made whole after a motor vehicle collision.
We can help if your insurance company:
Undervalued your total loss
Short-paid or denied repair costs
Forced non-OEM or salvaged parts
Steered you into their preferred shop
Ignored diminished value or loss-of-use claims
Left your car unsafe to drive after repairs
Our team helps uncover the facts that insurance companies try to hide We work for you
Know Your Rights When Dealing With Insurance
Washington law gives vehicle owners powerful protections. Most people simply aren’t told about them.
Your Right to Choose Your Repair Shop
Insurers cannot require you to use preferred shops or refuse reasonable repair estimates.
You have the right to choose where your vehicle is repaired. Your repair insurance company must make a good faith effort to honor your repair shop’s estimate or repair invoice and is prohibited from mandating consumers use preferred or “direct repair” shops or refusing to reasonably consider the repair facility’s estimate or final invoice.
Your insurer must pay the reasonable and necessary cost to repair your vehicle to its pre-condition.
Statute Citations
WAC 284.30.390 – Prohibits arbitrarily denying a claimant’s repair estimate.
WAC 284.30.330 – Requires insurers to attempt prompt, fair, and equitable settlements.
RCW 48.30.015 – Insurers must promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for a denial of its payment of benefits, including repair facilities repair estimate or invoice.
Why Written Communication Matters
Written communication protects you when disputes arise and creates a clear record
Always communicate with the insurance company in writing and insist they respond in writing as well. Written communication creates a
Clear record of what was said and promised
Reduces misunderstandings or misstatements
Protects you if disputes arise later
Email is acceptable and recommended. If you are unavailable for phone calls, you may request email-only communication. If it is not in writing, it cannot be reliably proven.
Appraisal Is a Legal Right in Washington
When you and the insurer disagree, appraisal is a binding, enforceable process under RCW 48.18.620.
Each party selects a competent and disinterested appraiser within 10 days.
Appraisers independently evaluate the actual cash value and amount of loss.
If the appraisers disagree, they select a neutral umpire.
An agreement by two of the three (either both appraisers or one appraiser and the umpire) is binding.
The appraisal process must be completed within 30 days.
Real Results From Auto Appraisals
Short Pay Claims = “Repair Disputes & Underpayment”
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$7,200+ average increase per claim
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$119,000+ recovered across repairable claims
Total Loss Claims = “Total Loss & Valuation Disputes”
$5,700+ average increase per claim
$121,000+ recovered across total loss claims
Licensed Public Adjuster in Washington, Oregon, Idaho and Minnesota, and handles nationwide vehicle repairs.
Insurance companies shorting their own customers and drivers who have been in accidents for well over a decade now. Below are two clips of Journalist and News Host Anderson Cooper reporting on a story that is exactly like what we see every day. This problem hasn’t gone away.
We help consumers get made whole after a wreck.
We can help if:
- Did your insurance company undervalue your vehicle after it was totaled?
- Did your car lose value after it was wrecked by another person (known as diminished value)?
- Did you get pressured by the insurance company to take your car to their "approved" shop for repairs but are unsure if the repairs were done correctly or have remaining problems that have not been addressed?
- Did your insurance company undervalue the cost to correctly repair your damaged vehicle or force the use of poor fitting knock-off and imitation parts?
- Insurance company not paying your bodily injury claim? Our forensic inspections will help discover damage and provide evidence of the mechanism of injury.
