Independent Total Loss Appraiser Serving Washington & Oregon

Call Nico For immediate Assistance: (971) 666-1646

Fight a Low Total Loss Offer With a Real Local Appraiser

If your insurance company has declared your vehicle a total loss and the offer is too low, Total Loss NW can help you dispute the valuation and fight for a fair settlement.

We specialize in total loss appraisals and appraisal clause disputes, providing full representation from start to finish. You work directly with a real, independent appraiser — not another automated valuation service or faceless national firm.

We review the insurance company’s CCC or Mitchell valuation, research comparable vehicles, document your vehicle’s condition, mileage, options and upgrades, and build an independent appraisal based on real market data.

When the appraisal clause is invoked, we represent you throughout the process, communicate directly with the insurance company’s appraiser, negotiate the disputed vehicle value, and work toward an agreed appraisal award.

Real Appraiser. Full Representation. Consumer-Focused.

About Total Loss Northwest

Total Loss Northwest is a family-run business led by independent auto appraiser Nico Nix. With deep roots in the Pacific Northwest automotive community, Nico brings years of experience and a lifelong passion for vehicles to every appraisal. Every claim receives personal attention, detailed market research, an independent appraisal, and straightforward guidance. Whether you’re facing a total-loss dispute or pursuing a diminished-value claim, you’ll receive a defensible valuation – not a cookie-cutter report, inflated promises, or automated numbers. Total Loss Northwest works for vehicle owners, not insurance companies. That distinction matters: many appraisers who describe themselves as independent also accept assignments from insurance carriers. Before hiring an appraiser, ask whom they represent and whether they perform work for insurers. Have questions about your claim? Call Nico at (971) 666-1646

     
 
 
      Posted on Google  
   
   Brian Castrilli 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nico was excellent, easy to deal with, and he got us over $3,200.00 more than American Family Insurance was offering us. HIGHLY RECOMMEND Total Loss Northwest
  
 
     Posted on Google  
   
   priya kumar 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +1
Very happy with my appraisal results . Thank you Nico so very much for your confidence and supporting me with my fair market value
  
 
     Posted on Google  
   
   Cathy Houston 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I searched for a private appraiser after my car was totalled by another driver who had the same insurance provider.  I normally agree to whatever but not this time and I am so glad.  Nico was awesome and I ended up getting about $2K more than original offer.  It was so nice having someone else deal with this and succeed.
  
 
     Posted on Google  
   
   Tran Nha 
 25 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Mr. Collin from Total Loss Northwest! He did an amazing job helping me with my diminished value claim. I was able to receive $4,000 in diminished value compensation from what seemed like just a minor parking lot accident. Mr. Collin was fast to respond, honest, professional, and worked very hard on my case. He explained everything clearly and made the whole process much easier for me. I truly appreciate his hard work and dedication. If you need an auto appraiser or help with a diminished value claim, I definitely recommend Mr. Collin and Total Loss Northwest!
  
 
     Posted on Google  
   
   Paul Varela 
 35 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
Absolutely thrilled with the experience I had working with Nico. I was going back and forth with my insurance company trying to get them to pay what my vehicle was actually worth. Being in the car business, I know what it costs to replace a vehicle, so I thought I could handle everything myself. Unfortunately, insurance companies will do everything they can to pay as little as possible. I gave Nic a call, explained my situation, and he got back to me quickly. He clearly explained his process and fee, and after working with him, I can confidently say it was worth every penny. He ended up getting me $6,000 more than what my insurance company originally offered. Nico, thank you again for your professionalism, knowledge, and hard work. I highly recommend him to anyone who’s dealing with a total loss or feels like they’re being lowballed by their insurance company.
  
 
     Posted on Google  
   
   Michael Rogers 
 42 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Collin was able to talk me through their process, was very upfront about what they can/can't help with, and was available to answer my (many) questions. He talked me through what I could expect paperwork/negotiation wise. They were very upfront about their fee and communicated everything clearly. With total loss northwest's help I was compensated for what I, and their valuation report, believe to be a fair amount. Thank you Collin and Total Loss Northwest!
  
 
     Posted on Google  
   
   bluefyr22 
 59 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +1
Absolutely helped me get a fair deal for my wrecked car where both insurances (other guys and mine) wouldn't budge. Best return on investment in short order
  
 
     Posted on Google  
   
   adi A 
 94 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I had an excellent experience working with Nico. After my vehicle was declared a total loss, Nico carefully reviewed the valuation and advocated on my behalf throughout the process. Thanks to his expertise, attention to detail, and persistence, he was able to secure approximately $3,000 more than the original settlement offer. Nico was professional, responsive, and transparent every step of the way, taking the time to explain the process and answer my questions. His knowledge of vehicle valuations and insurance claims made a significant difference in the outcome of my case. I highly recommend Nico's services to anyone who feels their total loss settlement may not accurately reflect the value of their vehicle.
  
 
     Posted on Google  
   
   Eileen Osera 
 98 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nico earned me an extra $3500 after his fee. So worth it. Only took about 1.5 weeks (I think due to slow responses from insurance). So happy with the outcome. Quick and painless.
  
 
     Posted on Google  
   
   Anthony Vuong 
 118 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I received a lowball total loss offer and wasn't sure what to do. When I first reached out to Nico he responded after business hours. That told me everything about how he operates. Nico is a lifesaver. He saved me from an enormous amount of stress and handled the entire appraisal process professionally from start to finish, securing a settlement over 20% above the original offer. His flat $550 fee with a money back guarantee made it a no brainer. Genuine, knowledgeable and transparent throughout. No percentage fees, no surprises, exactly as advertised. There are good people out there and Nico is definitely one of them. If your insurance company lowballs your total loss settlement contact Nico before accepting anything. Highly recommend Total Loss Northwest.

Real Results. Real Value.

See how our appraisals have helped drivers secure significantly higher settlements—often 20% or more above the insurer’s original offer.

2005 Dodge Neon SRT-4

Insurance Company:Progressive

Settlement Increase: $4,083.00

+178% over the original offer

2019 Mercedes-Benz GLC300

Insurance Company: State Farm

Settlement Increase: $4,815.00

+16% over the original offer

1999 Honda Civic DX

Insurance Company: Progressive

Settlement Increase:$3,529.09

+180% over the original offer

Our Services

From total loss appraisals to diminished value reports, we offer expert services that help you challenge unfair insurance payouts with confidence.

Total Loss Dispute

We will represent you in your total loss appraisal clause dispute to get you a fair settlement. Satisfaction guaranteed.

Diminished Value Appraisal

After a repair, your car may be worth less—our reports help you claim that lost value.

Expert Auto Appraiser

Trusted experts in accurate vehicle valuation.

Serving Oregon Washington & Idaho

Helping drivers across the Northwest get fair valuations.

Fast Turnaround

we provide quick, reliable service when you need it.

Independent & Unbiased

We are consumer only. We do not work for the insurance company and never will.

Why Choose Us

We’re not just appraisers—we’re your advocates in the claims process.
With certified experts and proven results, we fight for what’s fair.

We represent you, not the insurer

Certified, legally recognized reports

Washington market value expertise

Full-service claim support

Fast delivery

Our Process

Our streamlined process makes it easy to get the appraisal you need—quickly and confidently. From free assessment to final report, we guide you every step of the way.

01

Free Claim Review

Request a Free Claim Review and I will assess the insurance company’s valuation. I will let you know if the offer is fair or if your vehicle is likely being undervalued. Most reviews are completed within a few hours.

02

Invoke the Appraisal Clause

If the insurer’s valuation seems too low, I may recommend moving forward with the appraisal clause in your policy. If you decide to proceed, I will provide a formal Letter of Representation along with simple, clear steps to follow next.

03

Full Appraisal and Representation

Once the appraisal clause is activated, I take over the entire process. I prepare a full USPAP compliant report, communicate with the insurer’s appraiser, negotiate for a fair value, coordinate the umpire process if required, and keep you updated. My goal is to secure the strongest possible settlement for you.

04

Pricing

Our fee is a flat $550. Most auto appraisers charge a percentage of your settlement along with a fee for the appraisal. We do not do this. This includes the complete USPAP appraisal, full representation and negotiation, all communication with the insurer’s appraiser, and any required umpire coordination. There are no percentage fees, no extra charges, and no surprises.

05

Money Back Guarantee

If your settlement does not increase by at least the cost of the appraisal, you are eligible for a money back guarantee. You face no additional financial risk when working with Total Loss NW.

06

Timeline

Most cases are finished within one to three weeks. Once both appraisers connect, the process usually moves quickly, and an umpire is rarely needed.

Frequently Asked Questions

Answers to common questions about our appraisal process, pricing, and results—straightforward and easy to understand.

How long does the appraisal process take?

Once we receive your documents, most appraisals are completed and delivered within 3-5 business days. We prioritize fast, accurate service.

Do you work with clients outside Washington?

Yes! We work with clients In Oregon Washington and Idaho.

What documents do I need to provide?

We usually need your insurance valuation. This is usually a Mitchell or CCC One valuation provided by your insurance.

How much does a typical appraisal cost?

Pricing depends on the type of appraisal, but we offer transparent, flat rates. You can request a free estimate with no obligation.

Do you help with total loss claims involving State Farm, Progressive, GEICO, USAA, and other insurance companies?

Yes. We regularly assist vehicle owners with total loss disputes involving major insurance companies, including State Farm, Progressive, GEICO, USAA, Allstate, Liberty Mutual, PEMCO, and American Family. If you believe your vehicle has been undervalued or you're having difficulty reaching a fair settlement, we can review your claim and provide an honest recommendation whether we should pursue a higher vlauation.

Don’t Leave Money on the Table

Your car is worth more than the insurance company says. Get a certified appraisal and claim what’s rightfully yours.

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