When Insurance Cuts Corners, Customer Safety Suffers
Insurance companies routinely deny payment for procedures that are essential to your customers' safety. Sound familiar?
Insurance refuses to pay for manufacturer-required procedures critical to restoring the vehicle's structural integrity and crash protection.
Your customer's vehicle came with OEM parts for a reason. Used alternatives may not provide the same fit, finish, or safety performance.
Proper repairs require trained technicians. When insurance won't pay fair labor rates, shops can't afford to do the job right.
Modern vehicles rely on ADAS for collision avoidance and emergency braking. Skipping calibrations can leave safety systems malfunctioning.
Every vehicle has specific repair requirements. Without time to research these procedures, technicians can't ensure proper restoration.
Endless supplements cause delays, frustration, and expenses to the body shop and insured. Vehicles should not leave with unrepaired issues.
Right to Appraisal (RTA) for Repair Disputes
What is the Right to Appraisal? The Right to Appraisal (RTA), also called the Appraisal Clause, is a provision in most auto insurance policies that allows policyholders to dispute insurance company repair estimates. When a body shop and insurance company disagree on repair costs, the customer can invoke their Right to Appraisal to have an independent licensed appraiser determine the fair amount owed for collision repairs.
Educate Your Customer
Share your estimate, the insurance response, and details of what's being underpaid. You've already done the heavy lifting.
Customer Invokes Appraisal
With just an electronic signature and an email, we prepare the formal appraisal demand package. It's that easy.
We Represent the Customer
As their licensed appraiser, we're on the same side as you – working through the process to get proper repair payment.
Customer Gets Paid
The appraisal process determines fair compensation so you can complete proper repairs. Insurance must settle or follow the clause.
Licensed Professionals Working For You
Our team of licensed public adjusters and motor vehicle damage appraisers have the expertise and credentials to represent your customers effectively. We prepare detailed, certified appraisals based on real research and database access—not algorithm-based shortcuts.
Insurance-Licensed Appraisers
Our appraisers meet licensing requirements nationwide, as required by insurance companies.
Real Research, Real Results
Reports prepared by real people doing research and accessing databases—not automated algorithms.
Customer Pricing – We Work For Them
These are your customer's fees. National Appraisers works directly for the customer to ensure they receive the money they're entitled to – so you can complete the best repairs possible. Because you've already done the photos and documentation, we offer discounted rates.
- Demand package preparation
- We invoke the clause
- Portal access to track
- Transparent communication
Often resolves without further steps!
- Our appraiser represents the insured
- Direct appraiser negotiation
- Final resolution
- Most minor disputes
Covers most repair disputes!
- Complex dispute handling
- Detailed documentation
- Expert negotiation
- Major repair disputes
For significant underpayments
- Commercial trucks
- Fleet vehicles
- Complex claims
- Custom quote provided
Contact us for quote
About Umpires: In less than 1% of cases, an umpire is needed. Umpire fees are paid directly to the umpire and split between the insured and insurance company (typically ~$300 per side). Most insurers settle during negotiation because they know when they're underpaying.
Body Shop Insurance Dispute FAQ
Common questions about using the Right to Appraisal (RTA) clause to dispute insurance underpayment on collision repairs.
The Bottom Line
We're on the same side. As the customer's appraiser, we work alongside you to ensure proper repairs get paid. The appraisal process is a contractual entitlement – a benefit included in their policy – not a confrontation. Your customer deserves to have their vehicle repaired and paid for correctly.
Ready to Help Your Customers?
Start empowering your customers to invoke their Right to Appraisal. It's a benefit included in their policy – help them use it.