LEARNING CENTER
Understand your rights as a policyholder, important insurance laws, deadlines, and legal concepts that affect vehicle claims.
Insurance Law & Consumer Rights
Your total loss payout isn't just the vehicle's value. Sales tax, registration fees, storage charges, rental costs, and other direct expenses are all part of what you're owed. Here's the full breakdown.
Read more →Insurance Law & Consumer Rights
When the at-fault driver's insurance lowballs your total loss, you don't have an appraisal clause — but you have something else: the right to demand full damages. ACV, taxes, fees, storage, rental, and more. Here's how.
Read more →Insurance Law & Consumer Rights
Your insurance policy may give you the right to formally dispute a total loss offer through an independent appraisal process. Learn how the appraisal clause works, when to invoke it, and why it's one of the most powerful tools in your claims toolbox.
Read more →Insurance Law & Consumer Rights
A first-party total loss claim and a third-party total loss claim follow completely different rules. One gives you a contractual right to appraisal. The other requires a demand letter. Know the difference before you accept a penny.
Read more →Industry News
A new Texas rule implementing the Right to Appraisal would let insurers offer their own umpire selection methods — raising concerns about independence and fairness. Here's what it means for policyholders.
Read more →Diminished Value
The insurance company denied your diminished value claim or made a lowball offer. Don't panic. Here's exactly what to do next — from demand letters to small claims court — and why the process is simpler than you think.
Read more →Industry News
A recent industry survey found 57% of shops reported State Farm reducing labor rates without explanation — and that's just the beginning. Here's what vehicle owners need to know about how State Farm's practices may be affecting their claims.
Read more →Diminished Value
Every state has a deadline for filing a diminished value claim. Miss it and your right to recover disappears — no exceptions. Learn your state's statute of limitations and why waiting can cost you.
Read more →