Washington 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 Washington 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 Washington, 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.

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 Washington 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.

Washington

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 Washington, specializing in helping consumers with Washington total loss insurance claims as an Washington Certified Auto Appraiser since 2010.
  2. Washington Total Loss Laws. Unfortunately, Insurance companies in Washington do not have to reimburse you for the cost of the total loss appraisal. Although, normally since you get an increase in your taxes with an increase in the value, this normally will cover at least part of the cost of the 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 Washington 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 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.

Leverage Auto Appraisals |Total Loss Appraiser
Excellent
4.9
Based on 79 reviews
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 😂).
Response from the owner: Here's another one where the insurance company used an appraiser from Chicago. How can they know our market at all. Then pulled some of the most underhanded stunts as usual, all why claiming to be so caring for our military personnel. The opposing appraiser literally used a vehicle with current damage and extremely excessive wear. They use database data without providing actual advertisements or photos of the vehicles they use as comps. This insurance company consistently uses this appraisal company, and they company is extremely well connected. They never use local appraisers so they can try to strong arm the policyholder's appraiser. Never should a claim go on this long. Up until 6 months ago, most claims I did were completed in about a week. Lately, I've had to hunt and fight and spend weeks just looking for their comparable vehicles to discredit. Thank you for your patience and trust in me. I really appreciate you taking the time to write a review since it appears that companies out of Seattle and California have made it where it is so costly to even advertise locally. question is how can they afford to pay over $30 and up to $70 per click to advertise on G**gle ads makes me question how are they making that make business sense. Thank you again for your trust. Ken
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.
Response from the owner: Thank you for the kind words Layne. I really appreciate your faith in me. Can't believe how sneaky sneaky they acted on this case. But, that's the environment we're living in now. Insurance companies have lost so much money due to natural disasters, inflation and property values over the past few years, they're doing all kinds of weird things trying to pay the least amount possible. Thank you again! - Ken
embo
embo
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.
Response from the owner: Still think we should have gotten more for this claim too. It's hard dealing with these out of State appraisers. Especially when the come from areas where the cost of living is 35% than ours. Thank you for taking the time to write such a nice review. It is very much appreciated. - Ken
Adam Springer
Adam Springer
Ken advocated for my client when the insurance company wouldn't play fair. Less than a week after they received his appraisal, the insurance company paid her 50% more than their previous top offer!
Cole Webster
Cole Webster
In January of 2023, I was headed to work when I came across a section of black ice, which caused me to fish tail and roll my 2007 Toyota Tacoma. My truck was in pristine condition before the accident, so I was optimistic that my insurance company would pay what it was worth... WRONG.After months of fighting with my insurance and going nowhere if not backwards, I felt like my back was against a wall. State Farm claims adjusters were beyond nasty to deal with and actually lowered their valuation offer after I refused their first offer.I thought I was pretty knowledgeable, so I typed up a 40+ page discrepancy review/ counter offer after I had received the CCC One valuation report, (What State Farm uses to devalue your totaled vehicle). State Farm refused to acknowledge anything I called out in my report. I was deflated and felt like nothing that I was doing was working.I was honestly close to giving up, and just taking State Farms offer. Then while looking online at options, I found out about the Appraisal clause. Upon further searching I came across Leverage Auto Appraisals. I went to their website, and requested a free valuation of my claim. Within minutes my phone was ringing... I screened the call thinking that I just signed up for a scam. Ken left me a voicemail, which I was hesitant to return (still thinking it was a scam).When I finally got around to getting back to Ken on the Phone we must have talked for hours. Ken explained the whole process, was super personable, friendly, and knowledgeable. (I'm sorry Ken) All of this seemed too good to be true. I truly thought this was a scam until I got a call from State Farm, and they explained that the appraisal brought the value up THOUSANDS of dollars from their original offer.If you find yourself in a similar situation, give Ken a call. I cannot recommend this man enough. Ken... Thank you for your hard work, and for being such a stand up dude. I can't imagine where I would be if I didn't have you in my corner representing me against State Farm. Thank you.-Cole
Response from the owner: Thank you for taking the time to write a review for us Cole. It was a pleasure working with you. That's the biggest problem. Your insurance representative should be still providing basic information about the process, but they don't. You deal with a total loss hopefully never, but usually not more than once or twice in your lifetime. They do it every day. So, they know the ins and outs to pay you the least they can for your vehicle. No matter how nice they may seem, their job is to pay you the least amount possible. Thank you for choosing me as your auto appraiser, I really appreciate it.
King King
King King
So first of all Ken knew everyone in industry which set me at ease. Insurance tried to rip me off and give me 18150z Ken got me 26000 in little under 3 weeks. Extra 8000 almost. My man. Great job
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.
Response from the owner: Thank you for the Kind words Kirstie. I appreciate the trust you put in me choosing me as your auto appraiser. thank you so much! - Ken
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!
Response from the owner: Thank you, Jack, for the wonderful review. I apologize, as it seems my previous response didn't go through on Google. I want to express my gratitude for your trust in choosing me as your total loss auto appraiser. If only every claim could turn out as successfully as yours did, I'd love it. A 94% increase, amounting to an actual value gain of $7,349 over the market value estimated by Progressive using Mitchell/JD Powers vehicle valuation report. Makes me wonder how many people are settling for half what they should have gotten. Additionally, because your policy is based in Oregon, they were required to reimburse you for the cost of our services. Hope you never need me again, but if you do, please let me know, it was a pleasure working with you. - Ken
Justin Peterson
Justin Peterson
Ken was very knowledgeable in what he does and really helped me out.
Response from the owner: Thank you for taking the time to share your positive feedback on Google. I'm delighted to hear that I was able to assist you effectively and provide the help you needed. As an auto appraiser, knowledge and expertise in my field are key to delivering high-quality service, and I'm glad that it made a difference in your experience.
Fergy Fergy
Fergy Fergy
I had an appraisal done by leverage Auto, my Appraiser's name was Ken, I've been around seven decades down I've seen and heard a lot of things but I was happy and thrilled with the results I received from Ken. I strongly suggest use this service. For me it was the best. Thanks Ken
Response from the owner: Thank you Tall, Dark and Handsome for the kind words. HA HA. You were a blast to work with. Please feel free to call me anytime just to talk. You're the best client ever. You kept me laughing so much it was just a lot of fun working with you. -Ken
Kent Andreasen
Kent Andreasen
I strongly recommend people hire leverage auto appraisals. They made the auto claim appraisal very easy.
Response from the owner: Thank you Kent for taking the time to leave us a review. I am thrilled to hear about your positive experience and the successful outcome of our negotiation and appraisal services.I greatly appreciate your trust in my expertise, and I am delighted to have played a role in securing an additional $3,158 from your insurance company on your behalf. There are so many complexities of the insurance industry and I strive to navigate the process on your behalf. It is incredibly satisfying to know that my efforts have made a tangible impact on your financial recovery.
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I have used Ken 2 times in the last 10 years. For the lowest rate around for this service he brought my claim up over $10,000 both times.On my last claim he found out that progressive has used a salvage titled vehicle as a comparable to my immaculate low mile diesel truck which actually got me paid back for the trucks current value.I recommend Ken on a regular basis to my friends who are unaware of what insurance companies try to do to you. I can tell you from experience he is a true car enthusiast and will go ABOVE AND BEYOND for his customers and he will fight for you. I wouldn’t be driving the truck I have now without his help.Thanks again, Ken!Keep doing what you’re doing! You’re the best. Hope all is well.
Response from the owner: We did knock it out of the park a couple of times didn't we? I really appreciate you and always love to see previous clients or their friends, although I hope you never do need me again. I'd prefer you just have a safe happy life. - Ken
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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.

Typically:

  • 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.

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 and Washington. 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?

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Licensed Auto Appraiser for over 13 Years

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Over 35 years Experience as a Professional Negotiator

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

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Over 40 years of Automotive Experience

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

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

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Whether you're in Seattle, 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.

WHO IS KEN NIX

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.

OREGON LICENSED AUTO APPRAISER for over 13 years

 

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
Rv M-387 CARBON
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
Vehicle: 1995 TOYOTA LANDCRUISER
Offer: $20,653.83
Settled Value: $29,500.00
Increase: $8,846.17

LEVERAGE

Auto Appraisals

(503) 420-3001

Location

Portland, OR. 97225

Email

leveragepdx@gmail.com

Open Hours

Mon:8am – 8pm
Tue: 8am – 8pm
Wed: 8am – 8pm
Thur: 8am – 8pm
Fri: 8am – 8pm
Sat: 8am – 8pm
Sun: 8am – 8pm

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