Oregon Total Loss Appraisal Clause Disputes

Call Now for a Free Claim Review – 503.567.8900  Email: leveragepdx@gmail.com

In the aftermath of a car accident or in cases of theft, flood, Stolen vehicle or other unforeseen events, your vehicle might be declared a total loss by your insurance company. This term typically implies that repair costs are either equivalent to or surpass the vehicle’s retail market value. At Leverage Auto Appraisals, we believe you deserve the full retail market value for your car, inclusive of any relevant Tax, Title, and Licensing Fees, especially in Oregon where you have the legal right to dispute the insurance company’s offer if it seems unjustifiably low.

The key lies in the appraisal clause of your full coverage policy. This provision enables you to hire an independent auto appraiser, like Ken Nix, a certified expert in Oregon, to challenge what might seem like a lowball valuation from your insurer. If your insurance policy includes an appraisal provision, it typically follows these steps:

  1. Obtain an auto appraisal (at your expense).
  2. Your insurance company conducts its own appraisal (at its expense).
  3. Should there be a disagreement on the vehicle’s value, both appraisers select an umpire. The costs for the umpire are split equally between you and the insurance company.
  4. If the final appraised and negotiated value is higher than the insurance company’s last offer, they are obliged to reimburse you for reasonable appraisal expenses. (Oregon Policies Only)

At Leverage Auto Appraisals, we stand by your side in these critical moments. Whether your car has been involved in an accident, suffered damage from a storm, or been stolen, we provide a thorough, unbiased auto appraisal to ensure you receive a fair valuation. This is particularly crucial when the cost of repairs approaches or exceeds your vehicle’s market value.

In summary, don’t settle for less. If you’re facing a total loss situation in Oregon and want to dispute the insurance company’s offer, rely on Leverage Auto Appraisals for accurate, reliable, and fair auto appraisal services. Your vehicle’s true car value or vehicle value should always reflect its worth in the market, and we’re here to make sure that happens.


Our all-inclusive auto appraisal service provides everything you need to determine the cash value of your vehicle. With us you can have peace of mind and confidence in your claim. Other companies may claim to be the best auto appraisers in the Pacific Northwest, but we don’t work for insurance companies like they do. Haven’t you already dealt with enough misdirection and manipulation from your insurance company?

  1. Is there an auto appraiser near me? I cover all of Oregon, specializing in helping consumers with Oregon total loss insurance claims as an Oregon Certified Auto Appraiser since 2010.
  2. Oregon Total Loss Laws. The big secret your claims rep doesn’t want you to know is if your Oregon Certified Auto Appraiser increases your claim just one cent, yes, ONE PENNY, your insurance company has to reimburse you for the cost of the total loss appraisal.
  3. How can I negotiate with car insurance adjusters for my car’s total loss. YOU DON’T HAVE TO. Under your policy’s appraisal clause, you’re allowed to hire a vehicle appraiser and he can negotiate the claim for you.
  4. How much more can I get? My average increase this year, is $5,768.19 or 44.78 percent of the vehicle’s value. .
  5. When’s the best time to invoke my appraisal clause? The sooner the better. Ken has over a decade of experience working appraisal clause claims. Many insurance companies are known to give claimants a list of things to do if they want a higher value. Most of the times, this is just a ploy to get you to waste time while your vehicle goes down in value, so they can gain an even bigger advantage.

We Can Help! We specialize in Oregon Total loss Insurance claim disputes. If your vehicle has been declared a total loss and your insurance company is not providing a fair offer, and you need help, we can provide… LEVERAGE to get the value you should be receiving. Don’t go it alone, our Oregon Licensed Auto Appraiser, Ken Nix, can help you recover your full value by producing an appraisal under the appraisal clause of your insurance policy and negotiations with your insurance company.

Ken was excellent to work with and really is an expert in his field. He does everything he can to help and got me over $4,000 more than my insurance's initial offer. Highly recommend getting yourself a quality appraiser like Ken.
Marisa Harris
Marisa Harris
I e-mailed Ken an appraisal from All State. He gave me very detailed answers regarding all of my questions and responded promptly! He seems like a great guy to do business with and I appreciated all of his help!
chris carpenter
chris carpenter
My son had his car stolen and the insurance company offered around $5k less then what was owed on the loan. Obviously, as a parent I wanted to do everything I could to help my son. After going back n' forth with the insurance company they mentioned I could get an independent appraisal of which I research and found Ken. He went above and beyond educating me that I could request a refund of the remaining service contract we purchased on the car. In following up with the dealer they agreed to credit us back the remaining amount of which we then found out we had GAP insurance. Ken Nix at that point could have easily just charged us for a appraisal anyway but rather declined stating it would just hold up the settlement process and may not benefit my son. Finding people with such high work ethic can be hard to find these days and I have complete confidence Ken would do everything necessary to get a client the highest payout if hired.
l. lao
l. lao
Ken is peasant to work and effectively negotiated a better pricing, he definitely a top performer.
Kirstie Forsey
Kirstie Forsey
I was involved in a not at fault accident in September 2023. My insurance company was giving me the run around and offered me a very low price for my 2018 Toyota 4Runner premium. I contacted Ken Nix to get a professional and more accurate evaluation of my vehicle. I am glad I did. Ken was able to get me 4K more for my vehicle than the insurance company offered me. This allowed me to be able to pay off my vehicle and have money down to get a new one. Ken was down to earth and kind; he worked diligently to get me the best price for my vehicle. I absolutely recommend him to all who are being taken advantage of by their insurance companies. Ken will get you a fair price and fast.
Jack Jones
Jack Jones
I’d give Leverage six stars if I could. I appreciate the way they went to bat for me. Ken negotiated almost double what the insurance company originally offered. I highly recommend!
Mike Battista
Mike Battista
I hired Ken to dispute my insurance company's evaluation of my total loss vehicle. I was surprised to see the low offer and disputed their valuation. Ken's years of auto industry experience were tremendous because he knew everything about my vehicle and modification. His efforts netted an additional $8k! My vehicle was a converted Honda Element E-Camper with an aftermarket permanent pop-top like a VW van.
Ken did a fantastic job for me. He got $$$$ more than the insurance company wanted to give and did it quickly. Very good in keeping me informed about the process and where my case stood. Thank you Ken.
Web Silvis
Web Silvis
Ken is a superhero.It has become increasingly difficult to get a fair settlement from insurance companies. It is their job to settle a claim as cheap as possible and it's my understanding that some companies even offer bonuses to your adjuster when the claim is settled for less than it could have been. Don't fall for the biased CCC One valuations!I was offered less than market value for my totaled car, calling it "actual cash value". When I kindly suggested that they were not being fair, they LOWERED the original offer by about $1000.The insurance appointed their own "independent" appraiser that agreed with their low ball value (no surprise.) Ken stepped in and held them accountable. He got me even MORE than I was asking for my car, raising my valuation by nearly 30% and my insurance company paid his fee because Oregon law requires them to if Ken increases the settlement by even 1¢!Be patient with Ken, some cases are harder than others and he is a "one man show". Trust his process and he will get you good results!
Jen Anderson
Jen Anderson
Ken worked for several months to try to get us a bigger settlement when our carrier insisted on shortchanging us by refusing to use any comps in our actual vicinity. Despite being stonewalled by the m0bster-like "appraisers" the carrier used (who are halfway across the continent), we eventually ended up with much more than we could have gotten on our own. It's stressful when someone else's carelessness ruins your vehicle and adds insult the injury when you can't depend on your own carrier to go to bat for you. We would use Ken again (but hope to never need to 😂).
Layne Michaud
Layne Michaud
Ken has been great to work with at Leverage Auto Appraisal! Helped me get the settlement I needed when the insurance companies offered a lowball offer. I’d hire him again in a second! Will 100% use him again if needed (but let’s hope I don’t!). I would and will recommend him to anyone else trying to negotiate a fair settlement with their insurance company.
Justin Robinson
Justin Robinson
Hiring Ken was a great idea! He was able to bring my lowballing insurance offer up 27% for me which was over a $10,000 increase!!! That put a good chunk of change back in my pocket!! Couldnt be happier with how it turned out! Thanks alot for the hard work Ken i really appreciate it! Dont say yes to these insurance numbers and wake up! Youll be surprised what someone like this can actually do for you!


Oregon Total Loss Vehicle Appraisals

Has your Insurance Company deemed your vehicle a total loss? Are they not offering enough for your totaled car or truck? In your insurance policy, you have what is called an appraisal clause. The appraisal clause section is devised to allow you to dispute the offer your insurance company is providing.

If you do not agree with the value your own company offers, your policy may include an appraisal provision. Appraisal processes vary. Check your policy or ask the claims representative or contact us for help.


  • You get an appraisal (you pay).
  • The company gets an appraisal (it pays).
  • If the appraisers don’t agree on the value, the two appraisers agree on an umpire. You and the company each pay half of the umpire’s cost.

According to OREGON LAW, Insurance companies must reimburse you for reasonable appraisal costs if the final appraised value of your vehicle is higher than the company’s last offer.

The first thing you need to do, is determine if it is a good decision to invoke your appraisal clause. LEVERAGE can help you by providing a free, no charge review of your total loss claim. This will provide you with the information to make a well informed decision as to whether you need to move forward with disputing your claim or not.

LEVERAGE specializes in Total Loss appraisals in Oregon. Unlike many large companies that use low generic staff to produce and negotiate your claim, with LEVERAGE, you get a highly qualified auto appraiser and negotiator to work with you to negotiate a fair claim so you can replace your vehicle, and move on with your life. Ken Nix works every claim himself to ensure we recover the maximum fair market value for you.

Why Hire Us?


Oregon Licensed Auto Appraiser for over 13 Years


Over 35 years Experience as a Professional Negotiator


Over 18 years Automotive sales Experience. Experience with all types of vehicles. Not just an ex estimator or adjuster.


Over 40 years of Automotive Experience


Professionally Trained One on One by Zig Ziglar, Grant Cardone, and Tom Stuker.


Worked with Hundreds of Dealer, GM's, and GSM's in Oregon while employed with Reynolds and Reynolds.


Whether you're in Coos Bay, Bend, Eugene or Portland, Ken knows you're Used Car Market.

Vehicles We Sevice

We produce total loss appraisals for Acura, Alfa Romeo, Audi, Bentley, BMW, Buick, Cadillac, Chevrolet, Chrysler, Corvette, Dodge, Ferrari, Fiat, Ford, Freightliner, GMC, Honda, Hummer, Hyundai, Infiniti, International, Isuzu, Jaguar, Jeep, Kia, Lamborghini, Land Rover, Lexus, Lincoln, Maserati, Mazda, Mercedes-Benz, Mercury, Mini-Cooper, Mitsubishi, Oldsmobile, Peterbilt, Plymouth, Pontiac, Porsche, RAM, Rolls Royce, Saab, Saturn, Scion, Shelby, Subaru, Toyota, Volkswagen, Volvo.

As well as older Diesel 1 ton and 3/4 ton Trucks with Powerstroke, Cummins, and Duramax Engines. We also provide Sprinter Van, Ram Promaster, VW Camper Vans, and other Conversion Van Total Loss Appraisals.

We also work Total Loss Claim Disputes on other specialty vehicles such as Heavy Trucks, Semi Trucks, Motorcycles, Classic Cars, Muscle Cars, Collectible Vehicles, Exotic Cars, Motor Coaches, Work Vans, Commercial Vehicles, and many more.


Oregon Total loss auto appraiser Ken Nix, specializing in Total Loss Appraisals for vehicles.

  • Ken Nix is a local Oregon Certified and Licensed Vehicle appraiser since April of 2010 has been authorized by ODOT to appraise vehicles in Oregon for over 12 years.
  • Ken started in the automotive industry in the 1980s and has sold and appraised tens of thousands of vehicles including late model cars and trucks, Exotics, Muscle Cars, Street Rods, Vintage, Classics, Street Rods, Camper Conversions, and even Japanese right-hand drive vans while working for multiple franchises over 20 years. Ken is the independent appraiser chosen by Ron Tonkin Gran Turismo for independent vehicle assessments.
  • Previously employed by Diversiform and Reynolds and Reynolds. Ken worked with local Automotive Dealers, Sales, Service and Body shops to market vehicles. Hundreds of Dealership owners, managers, and staff know and trust him. Ken also worked with Lanphere Enterprises, and many other local dealers to provide digital solutions for automotive marketing.
  • Ken is the founder of Volkswagen Owners Club, My GTI, and Jetta Junkie and was an Administrator for Autoguide.com for over 10 years.
  • Ken’s wife jokes that sometimes she’s married to Liam Neeson because Ken has a very particular set of skills, skills he’s acquired over a very long career.



Ken Nix's current Oregon Auto Appraisers Certification and License issued by ODOT

  • Ken has actual long term automotive sales, appraisal and negotiation experience. Beware long term businesses with inexperienced vehicle appraisers claiming decades of experience because a relative founded the business. Make sure your automotive appraiser has the real world experience to back up their claims.
  • Ken’s background in training salespeople on Product Knowledge, combined with auto body repair assessment experience and his computer background provides negotiating leverage over opposing appraisers. The ability to spot bad repairs from prior damage on an opposing appraiser’s comparables to discrediting salt state and flood damaged vehicles used by your insurance company’s valuations from CCC One and Mitchell / J.D. Powers to lowball your vehicle.
  • Expert Negotiator. Personally trained one on one by Zig Ziglar, Tom Stuker, and Grant Cordone. Over 45 years experience as a professional negotiator.
  • Ken’s Automotive, Computer Technology, Legal Reseach, and Negotiating background provides a very specific skill set that makes him a nightmare to opposing appraisers.


Recent Total Loss Claim Dispute Recoveries

G. Genauer – Total Loss Dispute
Insurance Company: State Farm

Portland, Oregon
Vehicle: 2014 Volkswagen Jetta SportWagen TDI
Offer: $16,174
Settled Value: $20,500
Increase: $4,326.00

S. Mead – Total Loss Dispute
Insurance Company: Geico

Prineville, Oregon
Vehicle: 5th Wheel Toy Hauler 2016 Keystone
Offer: $42,079
Settled Value: $51,700 – May 13, 2022
Increase: $9,621

S. Arkelian – Total Loss Dispute
Insurance Company: Progressive

Portland, Oregon
Vehicle: 2018 RAM 2500 Laramie Crew Diesel 2500
Offer: $59,152.21
Settled Value: $65,625
– May 11, 2022
Increase: $6.472.79

M. Smith – Total Loss Dispute
Insurance Company: Liberty Mutual

Portland, Oregon
Vehicle: 2003 Ford Super Duty F-250 King
Ranch Crew Cab
Offer: $14327.00
Settled Value: $19,995 – May 13, 2022
Increase: $5,668

C. Wilkinson – Total Loss Dispute
Insurance Company: Progressive

Portland, Oregon
Vehicle: 2004 Toyota Tacoma 4 Door Crew Cab
Offer: $22,024.90
Settled Value: $31,500 – May 4, 2022
Increase: $9,475.10

K. Johnson – Total Loss Dispute
Insurance Company: Progressive

Portland, Oregon
Offer: $20,653.83
Settled Value: $29,500.00
Increase: $8,846.17


Auto Appraisals

(503) 420-3001


Portland, OR. 97225



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