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  
   
   Heather Tracy 
 0 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I worked with Collin at Total Loss to take me through the steps to make a diminished value claim. He provided so much information, step by step what to do and a thorough appraisal. He gave timelines for all his work and was prompt about answering questions. I highly recommend.
  
 
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   Barbara Lawson 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +3
Nicco was great in helping me get my proper value from my wrecked GMC Denali.  A person can argue with insurance companies but know they can low balled you and ignore the law and facts.  Nicco made this claim adjustment go so much easier for me.  I was stressed out dealing with the insurance adjuster felt a huge relief once he was hired and working for me. Thanks again!
  
 
     Posted on Google  
   
   Justin Ammons 
 4 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I spent a few months attempting to negotiate with State Farm and it became clear that they were never going to give me a fair assessment of my total loss vehicle. After nearly giving up and giving in, I decided to take a chance and reached out to Total Loss Northwest to represent me in invoking the appraisal clause. I wish I had made this decision sooner. Nico was fantastic to work with and he we able to negotiate a very fair settlement. Bottom line, don't waste your time fighting with the insurance company, hire Total Loss Northwest to do it for you.  You will not be disappointed!
  
 
     Posted on Google  
   
   Neal Leen 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I refused to settle on my insurance company’s total loss valuation for my 2024 Toyota Prius four times.  Each time they never budged from their original valuation even after I sent many comparables that I found listed at much more money.  My last option was to contact Total Loss Northwest.  Between 2-3 weeks later, I received notice that I would receive $3535 over last offer before adding tax and fees amounting to $4450.  I completely recommend this appraisal service!
  
 
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   Scott Audiss 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had no idea there was anyone that could help you with offers that seem to be lower than they should be.  Nico Nix is that person. Efficient, knowledgeable  and easy to work with. You don't   to accept just any offer. Call Nico.
  
 
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   Andrea Pincus 
 19 days ago
 
 
 Trustindex verifies that the original source of the review is Google. While I can’t say this was a painless process because dealing with insurance companies is never painless, working with Total Loss Northwest significantly eased that pain. Collin was super quick to respond and gave very helpful input to navigate my diminished value claim. With their help I negotiated about $1400 more than the company initially offered. Highly recommend!
  
 
     Posted on Google  
   
   Roxsana Cisneros 
 43 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had l a great experience with Total Loss Northwest, especially working with Collin! The process was made completely stress-free and easy. He was professional, knowledgeable, and made the entire process seamless from start to finish.

Thanks to Collin’s help, I was able to double the original offer I received. I couldn’t be happier with the outcome and the service I received. I would absolutely recommend Total Loss Northwest and Collin to anyone dealing with an insurance claim or total loss situation!
  
 
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   Brian Castrilli 
 55 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 
 62 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 
 77 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.

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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