SecondAppraisal

Second Appraisal Membership

Have us on call for your next total loss.

Register your car's VIN. If it's ever declared a total loss, one full Appraisal Research + negotiation consultation — the same $497 work our customers already know — is included in your membership.

$4.95 a month per vehicle· or $39.95 a yearSave 32% ($19.45 a year)· cancel any time

We can't register a car that's been in an accident in the last 3 months that was, or may be, declared a total loss.

Get your numbersAlready have a total loss right now? Start a consultation.

This is a membership, not insurance. We never pay claims or guarantee a result; your membership gives you our independent Appraisal Research and negotiation services when your registered vehicle is declared a total loss.

How it works

  1. Step 1

    Pay $4.95 a month

    A monthly membership fee per vehicle, or $39.95 a year (32% less than paying monthly). Cancel any time; your membership runs to the end of the period you've paid for.

  2. Step 2

    Register your car by VIN

    Give us the VIN when you join or right after you pay. It's on your insurance card, the registration, or the driver-side dashboard. Your car is registered once we have its VIN and it passes our checks, and your 30 days start then. The car we handled a total loss for can't be added — memberships are for the car you're driving now.

  3. Step 3

    If the worst happens, we're already on your side

    From day 30 after your car is registered, a total loss on it gets one full Appraisal Research + negotiation consultation each membership year — the same $497 work, already included. Start the consultation and we recognise your car by its VIN.

What members get

  • One full Appraisal Research + negotiation consultation per registered vehicle per membership year.
  • Eligible from day 30 after your car is registered; it has to be registered before the loss.
  • Change the registered car any time from your membership page.
  • Additional services, if you ever want them, at our standard rates.

What this is — and isn't

A membership: a monthly fee that gives you access to our appraisal-research and negotiation services when you need them. Your insurance company still pays your claim; we work to make sure it pays what the car was worth. We never pay anything to a member and we never guarantee a result.

Questions

Is this insurance?
No. It's a membership. Your insurance company still pays your claim; your membership gives you our independent Appraisal Research and negotiation services so that what it pays reflects what the car was actually worth. We never pay anything to a member and we never guarantee a result.
What exactly is included?
One full consultation per registered vehicle per membership year: an Appraisal Research report on your vehicle's value plus up to two hours of negotiation with your insurance company through the appraisal clause — the same $497 service our customers buy today. Additional services beyond that are available at our standard rates.
When am I eligible?
From day 30 after your car is registered — when we have its VIN and it passes our checks, whether that's at payment or right after. The date of loss has to fall on or after that day, and the car has to be registered before the loss. That's what keeps the membership fee at $4.95.
Why can't I add the car you already helped me with?
Because it was the subject of a total-loss consultation with us. Memberships are for the car you're driving now — a replacement, or another household vehicle.
Can I change cars?
Yes. On your membership page, choose Change car and enter the new car's VIN. The new car has to meet the same rules as any car you register, and its 30 days start again from the change. Your membership year and renewal date stay the same, and a consultation you've already used this membership year still counts. You can't change cars while a member consultation is open. To keep both cars, add the second one as its own membership.
I already have GAP. Does this still help?
Yes, and the two stack. GAP pays off the loan gap after your insurance company settles; we get your insurance company to settle for more in the first place.
How do you decide the vehicle qualifies?
By VIN. When you start a consultation, we match the vehicle's VIN to your membership and check the date of loss against your eligibility date. No paperwork on your side.
How do I cancel?
From your profile, any time. Your membership stays in force through the end of the period you've already paid for.

Averages from all prior settled consultations — not a promise of any result.