Prove a point! Fight for your total loss after the flood by invoking the Appraisal Clause!

total loss after the flood

If you’re a victim of the recent flooding in South Texas, Florida or any other state affected and you have a total loss after the flood against your own carrier, you should call our office immediately and make sure that any offer you get is fair and reasonable.

Now that South Texas is dealing with the aftermath of Hurricane Harvey and Florida and Georgia brace for the impact of category 5 Hurricane Irma, victims will undoubtedly be dealing with total loss claims in exponential numbers and they need to know that insurance companies routinely handle these claims in a very dogmatic manner. The biggest tactic is for a carrier to simply refuse to negotiate. They will simply tell you, “take it or leave it”. They like to claim that they do not have the authority to negotiate outside of their captive company market reports.

This is completely untrue.

Unfortunately, most insurance adjusters are brainwashed by training that tells them how it is, and then they simply regurgitate the same brainwashing mantra given to them by their superiors.

The standard personal auto insurance policy in Texas contains an appraisal clause, and that clause is typically very vague. The good thing is that there is case law precedence that clarifies many of the questions that arise when either the insurance company or the policyholder invokes the clause.  Simply put, the appraisal clause is meant to get two independent appraisers to discuss and attempt to settle the value of the loss. The point is to get two people that don’t have a dog in the fight to discuss the value of the claim and see if they can come to a meeting of the minds.

Simple, right?

READ MORE ABOUT THE APPRAISAL CLAUSE – CLICK HERE!

Appraisal Clause:  Deceptive Practices by Insurance Companies

If you’ve done some Googling because of a total loss dispute with your insurance company, you probably came across information explaining your right to appraisal (also called the invoking the appraisal clause).

deceptive practices

Unfortunately, because auto claim disputes are usually less than $10,000.00, it is an area that hasn’t traditionally attracted attorneys (but there are a few attorneys that will fight for you).

In fact, because the amounts in dispute are typically under $10,000.00, most insurance companies don’t even train their claims staff about the appraisal clause.  I know.  I was an adjuster for over a decade and NOT EVEN ONCE was the appraisal clause mentioned.  If you invoke the appraisal clause, you can bet that you will be dealing with a claims representative that has no clue what they are doing (if you’re an adjuster that thinks you know better, prove it).  I educate adjusters and insurance carriers every week about this little known right that their insureds have.

READ MORE ABOUT APPRAISAL CLAUSE DECEPTION – CLICK HERE!

Actual Cash Value and Fair Market Value

actual cash value or fair market value

I’ll bet that no one has explained to you what I am about to explain . . .First of all, the terms Actual Cash Value (ACV) and/or Fair Market Value (FMV) are sorely lacking and ambiguous when it comes to actually helping to define the value of a private passenger automobile.  In fact, the formal definition in almost every source one can find leaves out the MAIN ASPECT that would make the definition useful.  The terms ACV and FMV are so ambiguous that they are totally meaningless when it comes to figuring out the value of your vehicle.  Don’t believe me, let’s break it down.  Start with familiarizing yourself with the “formal” definitions.

FIND OUT THE DIFFERENCE – CLICK HERE!

True stories about how our free total loss claim consultation can make you money!

total loss claimWe talk to a lot of people from day to day and many times, Justin has to tell people who call the hard truth that it might not be worth spending money but sometimes, with just that one call, he can help you make decisions that could make you money in the end!  There aren’t a lot of experts out there talking about total losses so Justin decided to share his experiences with some of our clients with you good people researching about how to get your total losses settled.

This is from one of our clients, Rosa.  Here is how the story started…

CLICK HERE FOR THE FULL ARTICLE

What if I want to total my vehicle but the insurance company refuses to total?

total loss helpFrankly, I’m surprised that I don’t get asked the title question more often, but I know why I don’t.  Simply put, it is the dogmatic way insurance adjusters explain the total loss or repair process to accident victims.

From the onset of dealing with most adjusters, the tone is set by the adjuster that what they say is how it is.  Most simply TELL people how it is.  The art of negotiation is lost and with it, common sense.  This isn’t their fault; their supervisor told them how it was when they started and as they trained.  But don’t blame the supervisor because his manager told him how it was when he started.  But don’t blame the manager. . . you see where I am going with this?  It is a mindset drilled into adjusters that THEY are the ones that decide if a vehicle is totaled or not.  They are sadly mistaken.

FIND OUT HOW TO TOTAL YOUR OWN CAR

Rental Car on Total Loss Claims in Texas

rental on total loss claimsBlogs are buzzing because in the recent Texas Supreme Court Case, J&D Towing LLC v. American Alternative Insurance Corporation 2016 WL 91201 (Tex. 2016), a major wrong that has been going on since before there were even cars was righted.

If you have never had the misfortune of dealing with a “total loss” claim, count yourself lucky!  If you have, you might have been in a situation where the insurance company for the person that hit you refused to pay for a rental car since your vehicle was totaled.

FIND OUT MORE ABOUT RENTAL ON TOTAL LOSSES

TOTAL LOSS SETTLEMENT TIPS

total loss settlement tips

What should you do when you are dealing with a total loss?  We get so many questions every day from people involved in an accident where their vehicle was totaled and they are now getting a low offer from the insurance company and just don’t know what to do next.  We always tell them that it is always a negotiation and that they have to fight and prove their points with the information we are revealing below today!  We put together some total loss settlement tips to get you moving in the right direction on your auto claim.

Read on to find out our best total loss settlement tips and how to get your offer up just by taking the right steps and doing the right research!

GET YOUR TOTAL LOSS SETTLEMENT TIPS

USPAP Market Value Appraisal

$285.00

We review the claim for FREE!

Many insurance companies use a computer or a third party service to determine the value of your vehicle. Although these computers can sometimes get close to the fair market value, a close inspection of any of the reports will reveal that they do not use really comparable vehicles and they don’t explain their methodology. Additionally, there is no appraiser’s signature on the report, so who is one to inquire with when there is a discrepancy or mistake?

In addition to professionally documenting your loss with our market value appraisal, we will evaluate any documentation the insurance company has already provided you and tell you whether or not our services would be of value. Sometimes, we find that the insurance company has made a fair offer, believe it or not! Not all insurance companies are out to get you, but plenty are.

Can you tell the difference?

fair market value

SIGN UP BELOW FOR A FREE CLAIM CONSULTATION TODAY SO WE CAN REVIEW YOUR CLAIM AND TALK ABOUT YOUR OPTIONS!

Appraisal Clause

$385.00

We review the claim for FREE!

Do you have a first party claim (against your own insurance company)?  Appraisal clause is the way to go!  This service includes the Total Loss report AND we negotiate the value of your claim for you.  This is a really helpful service if you have been through the ringer trying to negotiate your total loss and have gotten nowhere in the process.

If your claim is against your own insurance company, 99% of the time, if there is a dispute about the value of a claim then you have the right to invoke the “appraisal clause”.

Wanna learn more about the appraisal clause?  Click here for some free info!

appraisal clause

SIGN UP BELOW FOR A FREE CLAIM CONSULTATION TODAY SO WE CAN REVIEW YOUR CLAIM AND TALK ABOUT YOUR OPTIONS!

Umpire Service

$500.00

Can’t get it settled?

The Umpire Service is for judges and appraisers who are involved in the appraisal clause process of a dispute between insured and insurer.  When Justin Petty steps in as an umpire, he takes it seriously.  He performs his services in an attempt to live up to our mission statement, “We are here to prove that paying attention to details and doing the right thing is the key to success in business and in life!”

When the appraisal clause is invoked, what is SUPPOSED to happen is this:  Each party (insurance company and policyholder) names an INDEPENDENT and COMPETENT appraiser. Then, the policyholder and the insurance company step out of the picture completely and let the appraisers attempt to settle the dispute about the amount of damages.  This means you should pick well when hiring an appraiser because they’re in charge once the appraisal clause is invoked.  If the two appraisers cannot come to an agreement as to the amount of the loss, an umpire must be named to resolve the stalemate.  The appraisers must agree on the umpire and if they cannot, then a judge in the appropriate jurisdiction will be petitioned to name an umpire.  Once the judge names an umpire or the appraisers agree on an umpire, then it is the umpire’s job to review all of the facts carefully and either convince the appraisers to agree,  agree with an appraiser or declare that the appraisal clause is a failure.

If the appraisal clause is successful, you will be waiting on your award check.  If it is unsuccessful, you will have to take the matter to court to continue the fight.

umpire service

SIGN UP BELOW FOR A FREE CLAIM CONSULTATION TODAY SO WE CAN REVIEW YOUR CLAIM AND TALK ABOUT YOUR OPTIONS!

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So the insurance company has decided to total your vehicle and they sent you a computer-generated valuation report with an offer that seems WAY TOO LOW!  Unfortunately, that is the norm and not the exception when dealing with a total loss auto claim.

fight for your total loss

We have this conversation with people DAILY and have now taken the time to compile our best arguments in this total loss ebook called "Fight For Your Total Loss!  Issues with Insurance Company Total Loss Valuation Reports" so you know how it works from the inside when negotiating your total loss offer.

Use these tools and arguments to get the adjuster to re-evaluate their valuation and get closer to a number that is fair.  We don't give legal advice but we will make it our mission to shed light on your total loss claim and how to get the best settlement after your car has been totaled after a disaster or auto accident.

Get our best advice for the low price of $9.95 and make the most of your total loss claim with our brand new total loss ebook!  Just click the Buy Now button below to get this book today!

Find answers to these issues and information on:

  • Formal Appraisals
  • Biased reports
  • Mileage Adjustments
  • Comparable vehicles
  • List vs. Take price
  • Options Adjustments
  • First party / Appraisal Clause Invocation

The advice we share in this total loss ebook has proven to be successful over and over again and, since our mission is to provide you with a value you can't find anywhere else, we know teaching you these insider tips will help you get the most out of your total loss settlement and get you on your way to moving on with your life!

fight for your total loss ebook coverDON'T WAIT TO GET THE RIGHT ANSWERS!  WE HAVE COMPILED ANSWERS TO MANY DIFFERENT ISSUES WHEN DEALING WITH TOTAL LOSSES THAT NO ONE ELSE WILL TELL YOU.

BUY YOUR COPY TODAY!

Click below to purchase using your Paypal account or credit card!

Have an injury?

Read our take on figuring out how much your injury is worth!

how much is injury worth?

If you’ve found this information, then you’ve probably been involved in an auto accident of some sort and you are trying to figure out what to demand when it comes to your injury.  Its not uncommon to have a dispute with the insurance company over your claim.

We get questions all of the time on this subject so we decided to put it all into a book to make it easy on you!

Find out answers from an experienced insurance claims expert on how to determine how much you should be asking for when making an injury demand on your own claim.  Although we don’t give legal advice, folks with smaller injury claims find our information helpful to get their claim settled with as little hassle as possible!

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To get success dealing with a total loss claim, you have to have the RIGHT EXPERT!  We help tons of accident victims and attorneys move their total loss claims to resolution with our free answers, market value appraisals, appraisal clause service and umpire service.

STAY TUNED FOR NEW POSTS ON OUR SUCCESSES COMING SOON!

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