Insurance Lowballed Your Total Loss? I Fight For Your Full Value.
Don’t trust an AI report or insurance company’s adjuster to get you a fair value when your vehicle is deemed a total loss. I’m a licensed, local, consumer-only independent appraiser serving Washington & Oregon.
Independent Total loss Appraiser That Fights for Policy Holders, Not The insurance Company
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.
Need Help With Your Claim?
Call Nico at (971) 666-1646
What Is The Appraisal Clause?
The appraisal clause is found in the declarations section of your policy. It gives you the right to challenge the insurance company’s valuation of your totaled vehicle. If you choose to dispute the value, you hire an independent appraiser and the insurance company hires one as well. Each appraiser prepares a valuation and provides evidence to support their position. If the two appraisers cannot agree, a third party called an umpire is appointed to review the information and make the final decision.
Facing a total loss in Washington or Oregon? We provides accurate, unbiased car valuations and full appraisal clause representation to help you dispute low insurance offer
How the Appraisal Clause Works
If you disagree with your insurer’s total loss offer, the appraisal clause lets you dispute it with a third-party valuation. It’s a legal option built into most policies to help you get a fair settlement.
The insurance company declares your car a total loss.
You disagree with their valuation.
You hire us to provide your own appraisal and represent your interests
The insurer must hire a separate appraiser.
The two appraisers negotiate a fair value, or bring in an umpire to settle the dispute should they not agree.
Request Your Free Total Loss Claim Review
Fill out the form below to get a professional, third-party claim review of your vehicle’s true market value. We’ll review your details and respond quickly with your next steps.