Start with the insurer’s valuation report
Review the VIN decode, trim, drivetrain, factory equipment, mileage, condition ratings, comparable vehicles, adjustments, taxes and fees. A small error in several categories can compound into a meaningful valuation difference.
Build market evidence around the actual vehicle
Useful comparables should be reasonably similar in model, trim, equipment, mileage and market area. Asking prices are evidence to analyze, not automatic proof of value, so differences should be explained rather than ignored.
When an independent appraisal can help
An independent review can be useful when the carrier report contains mismatched comparables, unsupported deductions, missing equipment, questionable condition adjustments or a market result that does not reflect the vehicle.
Appraisal-clause disputes require the policy
If the policy contains an appraisal provision, the actual language controls the process. Obtain the complete applicable policy before relying on an online template or another carrier’s procedure.
Have TrueAuto review your claim
Send the documents you already have. We will screen the matter and explain what information would be useful next.
Submit a ClaimThis page provides general educational information, not legal advice. Policy language, claim facts, and applicable rules vary by jurisdiction.