Independent Auto Appraisal Experts
Insurance Total Loss Offer Too Low?
We help vehicle owners invoke the appraisal clause to pursue a fair settlement.
The problem
Insurers routinely undervalue total loss vehicles.
When your vehicle is declared a total loss, the insurance company decides what it's worth—often using automated valuation reports that miss your vehicle's true condition, options, and local market value. That gap comes out of your pocket.
Most auto policies contain an appraisal clause—a contractual right that lets you challenge a lowball offer through an independent appraisal process. Bailey Appraisal Service helps you use it.
See how the process works
Why owners trust us
Experience on your side of the claim
25+ Years in Claims
Decades of hands-on experience inside the auto insurance claims industry.
Former Insurance Adjuster
We know exactly how carriers build valuations—because we used to build them.
Independent Representation
We work for you, the vehicle owner—never for the insurance company.
Transparent Process
Clear communication and honest expectations at every stage of your claim.
Fast Turnaround
Time-sensitive claims handled promptly so you're never left waiting.
Your appraiser
Meet Kris Bailey
Professional Appraiser and Umpire with more than 25 years in the insurance industry.
Learn More About KrisWho we serve
We Represent Policyholders
Bailey Appraisal Services works exclusively for vehicle owners—not insurance companies. Our goal is to provide an independent appraisal when you believe your total loss settlement offer does not reflect your vehicle's fair market value.
The five-step path
How the appraisal works
A clear, contractual process to pursue what your vehicle is actually worth.
- 01
Review Your Offer
Send us your Vehicle Valuation Report (CCC ValueScope, Mitchel Valuation, Auto Valuation, etc...). We assess it free of charge.
- 02
Invoke the Appraisal Clause
If your vehicle was undervalued, simply email your adjuster letting them know you are exercising the appraisal clause and want to appoint Bailey Appraisal Service as your appraiser. It's that easy.
- 03
Independent Appraisal
We build a thorough, market-based valuation of your vehicle's actual cash value.
- 04
Negotiate the Difference
Our appraiser works with the insurer's appraiser—or a neutral umpire—to resolve the gap.
- 05
Fair Settlement
You receive a settlement that reflects what your vehicle is genuinely worth.
Check your eligibility
Do You Qualify?
- Your vehicle was declared a total loss.
- You received a valuation or settlement offer from your insurance company.
- You believe the settlement offer is too low.
- Your insurance policy contains an appraisal clause.
- You haven't reached a final resolution of your claim.
If you checked most of these boxes, we may be able to help.
Start Your Free Claim ReviewNo obligation
Think your total loss offer is too low?
Send us your CCC or Mitchell valuation report and we'll tell you—free of charge—whether it's worth invoking the appraisal clause.