by Eric Reamer | Oct 15, 2026 | appraisal clause, Insurance, total loss |
After a collision, you pick a repair shop you trust. The shop inspects the damage and writes a repair plan. Then your insurer replies with a shorter number and a phrase that sounds final: we pay the prevailing competitive rate. That phrase carries real weight on your...
by Eric Reamer | May 27, 2026 | appraisal clause, Insurance
When an insurance claim dispute happens, most consumers assume the facts will determine the outcome. Unfortunately, the reality is often more complicated. Repair costs, OEM repair procedures, ADAS calibrations, total loss values, and replacement parts can all become...
