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An appraisal clause auto insurance is a policy provision that helps resolve disputes over the value of a vehicle or repair costs after an accident. If you and your insurer disagree on the amount of a claim, either party can invoke the appraisal clause. Each side selects an independent appraiser, and those appraisers choose a neutral umpire.
The appraisers assess the damage, and if they can't agree, the umpire makes the final decision. This clause ensures a fair evaluation process without going to court. It’s especially useful in total loss or diminished value claims. Always review your policy to confirm whether an appraisal clause is included and how it applies.
