Are there Public Adjusters for cars in South Florida?

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Total Loss Vehicle Appraisal Clause Process

1st party claims with your own insurance company

An appraisal clause is a clause or paragraph found in most, but not all, insurance policies. It is designed to be a way of reaching a settlement when there is a dispute over the amount of a loss between you and your insurance company and can be invoked by either party. The appraisal clause is utilized when there is a dispute over the value of your vehicle in a total loss. The appraisal clause is generally found in the "Damage to Your Auto" section of your policy. Following are the basic steps involved in the execution of the appraisal clause of most policies.

Step 1: Invoking Your Appraisal Clause

Advise your insurance company in writing that as a result of your inability to reach a mutually agreeable settlement, you are invoking the appraisal clause of your policy.

Step 2: Selection of Appraisers

In the appraisal clause process, each side selects a competent appraiser to assess the loss. Each side is responsible for paying their chosen appraiser. You select an appraiser who is knowledgeable in the specific area that is the subject of the dispute and who is familiar with the appraisal clause process. Your selected appraiser must be objective and impartial. Your appraiser should not do any work for the insurance company with whom you are having the dispute.

Step 3: Completion of the Process

Your selected appraiser as well as the appraiser selected by your insurance company each independently appraises the loss. The two appraisers communicate and discuss their findings. During this process the two appraisers attempt to reach a mutually agreeable figure. If the two appraisers are unable to reach an agreement then the two appraisers mutually select and agree upon a third party Umpire appraiser who reviews the positions and documentation of the two primary appraisers, who may also do an independent inspection and assessment. If an umpire appraiser becomes necessary, you and your insurance company each pay half of the cost of the umpire. Usually the Umpire’s decision is final.

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Are there Public Adjusters for cars in South Florida?