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.


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. The big secret your claims rep doesn’t want you to know is if your 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 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.

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.
scotty hansen
scotty hansen
I came to Ken after I had a feeling that progressive was undervaluing my claim. He agreed and pushed hard to help get the proper value when it comes to my vehicle. He reviewed their evaluation and explained to me why he would be able to get me more before I paid him. Then afterwards He made sure to stay communicative with me and helped to make sure that he was doing all he could to assure that I was getting a proper value for my vehicle. I’m grateful to Ken and would recommend his appraisal service to anyone who has doubts about the value of their vehicle when it comes to total loss claims.
Tracey Jeffries
Tracey Jeffries
I worked with Ken and he persevered and got me a fair value. 8,000 more than what the insurance offered initially. I highly recommend them.
Josh Buchholz
Josh Buchholz
Ken was amazing. He cared and listened, I really enjoyed working with him. He ended up getting me $6,125 more for my vehicle than I was offered by Geico. I learned that if you buy a vehicle with upgrades (lift, rims, tires, exhaust, AMP steps etc etc...) and you do not have receipts then they will not be acknowledged by the insurance company unless you hire and appraiser and fight for them. Another thing I learned, if you personally add upgrades to your vehicle and do not declare the upgrade with your insurance company they may not be covered.Ken was a rock star and is well-known in this field. He was very responsive and talked me through the process. I appreciated that he texted and emailed as well as a chat on the phone! Very trustworthy. I think other appraisers know he knows his stuff, that is why he is so successful. Thank you Ken! I would highly recommend him to assist with a total loss settlement!
Denise Ostlund
Denise Ostlund
I was in an accident in Oregon last November where the other driver was at fault. They have Geico, but I opted to have USAA take care of things since I have been with them for 32 years. My mistake was thinking that USAA would have my back. They gave me a lowball estimate using pot lot vehicles, one with 240k miles (100k more than mine) and the other had several accidents listed. When I disputed this, they basically ignored me by using tactics of not returning calls or acknowledging the comps I had sent to counter their appraisal. I was adamant that I would not let USAA wear me down, and after 2 months of this bull - in my frustration I searched the internet for a solution and I found Ken. Ken certainly knows this side of the insurance "game" and I am appreciative of all the time he spent with me sharing his knowledge and experience battling for fair appraisals. Ken knows his stuff, and I was able to finally settle and got an additional $3000 for my car.
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.
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!
Shelly Stegall
Shelly Stegall
Hire them already!! I was SEVERELY lowballed by my insurance company after my car was totaled. Luckily I was also informed about Oregons appraisal clause and thought it was worth fighting. I was nervous calling someone based solely on reviews, but after a few minutes of talking to Ken I knew I made the right choice. Less than a week later he negotiated a payout of $14,000, more than twice of the original offer. Highly suggest Leverage Auto Appraisals, it was such a relief feeling like I had the power to successfully fight a large company.
Scott McGraw
Scott McGraw
If your insurance company is declaring your car a total loss then you absolutely need to call Ken Nix. My insurance company only offered me $4,400 for my car. My car was old, but it had low miles. When I contacted Ken, he immediately went to work on our case. He ended up getting us $6800 for our car -- which is more than 150% what the insurance company offered.If your car is totaled, it is guaranteed that your insurance company will give you a low offer and try to rip you off. Ken does all the work of dealing with the appraiser hired by the insurance company to negotiate on your behalf. Other places will quote you a lower price than Ken, but they will just present you a report and you are on your own. Ken actually negotiates with the insurance company's appraiser to get you the best deal.Also -- if you live in Oregon -- the insurance company will have to reimburse you for the amount that you pay for Ken as long as Ken can get you at least one penny more than their offer.To summarize: I hired Ken and paid him $499. Ken was able to get me $2,400 more than my insurance company offered me and my insurance company reimbursed me for the $499 that I paid Ken.Just send Ken your insurance company's valuation report and if he knows that he can get you more, he will take your case and you will be reimbursed for what you paid him. You literally have nothing to lose.
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.
Justin Peterson
Justin Peterson
Ken was very knowledgeable in what he does and really helped me out.
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.


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.

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?


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, Washington and Idaho while employed with Reynolds and Reynolds.


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.


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

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Portland, OR. 97225



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