Total-loss auto insurance offer too low? Don't take their first offer. Get a Second Appraisal.
See what your totaled vehicle is really worth with SecondAppraisal
Free — no account, no credit card, no obligation.
An insurer's first offer is often less than it would cost to replace your car with a comparable one. We find out what yours was really worth and, as your appraiser, determine the amount of loss with your insurer's appraiser.
Serving drivers in 43+ states.
“Insurance company originally offered me $47,566 for my 2015 Corvette Z06 m7, total loss.”
Sean H.
Their settlement came in $12,564 more than Encompass offered, in Broken Arrow, Oklahoma.
One customer's result, before our fee.
A 2015 Chevrolet Corvette, totaled. Encompass’ first offer was $47,566; the final settlement was $60,130, an increase of $12,564.
264 finished consultations that settled at or above the first offer, through Sep 25, 2026, before our fee.
Smart technology. Real people.
Our technology does the heavy research, and real people are here to help 7 a.m.–7 p.m. Mountain, 7 days a week. Se habla español. Jane, our AI assistant, can help any time in 97 languages.
Another successful outcome in Oklahoma
“Easy and painless. Jonathon took great care of me. Insurance company originally offered me $47,566 for my 2015 Corvette Z06 m7, total loss. Jonathon did the appraisal and got me $60,130 plus taxes and fees. I feel like that was a fair settlement as my car had 83k miles.”
Sean received an initial offer of $47,566 from his insurance company for his 2015 Chevrolet Corvette in Oklahoma. Our research showed that the initial offer was too low, so the dispute went through the policy appraisal clause after the insurer brought in an appraiser. The final settlement came to $60,130, which recovered $12,564 above the original amount.
- Encompass’ first offer
- $47,566
- Recovered above the offer
- +$12,564
- Total settlement
- $60,130
One customer's result, before our fee.
Total-loss help in OklahomaStories Like Yours, With Happy Endings
Every case is personal. Here's how we've helped people just like you. Each story is one customer's result, before our fee.
Kenda P., Texas
2023 Chevrolet Silverado 2500HD
Progressive offered
$44,600
Got
$54,000
+$9,400
One customer's result, before our fee.
“We had an excellent experience with Second Appraisal.”
Jaspreet G., Missouri
2019 Mercedes-Benz S-Class
State Farm offered
$31,941
Got
$37,000
+$5,059
One customer's result, before our fee.
“Definitely use this guys, you have nothing to lose!”
Kendra C., Louisiana
2024 Honda HR-V
State Farm offered
$18,440
Got
$23,800
+$5,360
One customer's result, before our fee.
“I had pre-authorized my payment on 6/29/2026, by 7/07/2026 everything was complete.”
How it works
From their first number to the real one
Four phases, the same four you'll follow in your dashboard. You handle a few quick steps; we do the research and the appraisal.
- You
- Our team
Phase 1 · Your setup
Start hereCheck your offer against the market
Enter your plate, VIN, or year, make, and model, and we compare the insurer's offer with similar vehicles for sale. Then add their valuation report and a few photos.
- You
- About 2 minutes to start
- Free
Phase 2 · Our research
Get your free appraisal consultation
We research comparable vehicles and review the insurer's valuation, then give you your value range and a straight recommendation. If our review doesn't find at least $1,000 more, we'll tell you.
- Our team
- 1-2 days
- Free
Phase 3 · Authorization
Name us your appraiser
Your policy's appraisal clause lets you choose your own appraiser. You appoint us by sending one authorization email to your insurer, and place a card hold; nothing is charged. It accepts nothing and waives nothing — the insurance claim stays yours.
- You
- One authorization
- Card hold, $0 charged
Phase 4 · Appraisal & award
We determine the amount of loss with the insurer's appraiser
It's evidence against evidence. We put your Appraisal Research in front of the insurer's appraiser at the appraisal conference and see it through to your appraisal award letter. If the award is less than $1,000 above your insurer's offer on the day we accepted your consultation, our fee is waived.
- Our team
- Tracked in your dashboard
- Fee waived under $1,000 more
Average outcomeInsurer's first offer
Average settlement with us+28%
$3,648 more on average, before our fee
99.6% · Cleared the $1,000 minimum
From 264 finished consultations that settled at or above the insurer's first offer, through September 25, 2026; past results, not a promise.
- Your part
- Enter your vehicle, upload a few documents, and authorize once.
- Our part
- Everything else, from the research to your award letter.
What Our Clients Say
Real results from real customers
Simple, transparent pricing
Start with a free consultation. If we accept your consultation, the Appointed Appraiser Service is one flat price.
Our results: $3,648 more than the insurer's first offer, on average, before our fee. From 264 finished consultations that settled at or above the insurer's first offer, through September 25, 2026; past results, not a promise.
Free Appraisal Consultation
We start the appraisal analysis and walk you through what we find, free.
- Your vehicle's value range against the insurer's offer
- No commitments, no card required
- A straight recommendation: we tell you whether we can help
- The first step of the Appointed Appraiser Service
Appointed Appraiser Service
The full appraisal, from the research to the award letter. It includes the Appraisal Research.
- The Appraisal Research is an independent, documented opinion of your vehicle's market value, with every comparable shown, built from your VIN, mileage, equipment and documents, and your photos when you have them.
- You appoint us as your appraiser under your insurance policy's appraisal clause by sending an authorization email to your insurer yourself. Replies from your insurer still come to you.
- We ask your insurer for its appraiser's name and contact details, and to keep copying you. Then we work with that appraiser to determine the amount of loss, including the appraisal conference.
- If the two appraisers can't agree, an umpire decides. The umpire's fee is separate.
- We produce the appraisal award letter.
At least $1,000 more, or your fee is waived.
This applies once we accept your consultation and serve as your appraiser. The starting point is your insurer's offer on the day we accept. If the appraisal award, or a higher offer your insurer makes instead, is less than $1,000 above it, we waive our $495 Appointed Appraiser Service fee. If an umpire is needed, the umpire's fee is separate.
Appraisal Research
We offer it on its own in your consultation, when a research report is what you need.
- A written research report only: an independent, documented opinion of your vehicle's market value, with every comparable shown.
- 24-hour turnaround on the report.
- It doesn't appoint us as your appraiser, and the $1,000 guarantee doesn't apply to it.
- Your card is authorized when you order and charged when we deliver the report.
- If you later choose the Appointed Appraiser Service, the $199 counts in full toward the $495.
No upfront payment. Your appraisal consultation is free, and we pre-authorize your card only after we accept your consultation.