UMPIRE SERVICES
Independent. Impartial. Experienced.
When two appraisers can't agree, an umpire breaks the tie. Collision Claims Advisors is available to serve as umpire in both repair disputes and total loss valuations — unbiased to either party.
THE ROLE
What Is an Umpire?
Under the appraisal clause found in most auto insurance policies, when the two party-appointed appraisers cannot agree on the amount of loss, the dispute is referred to a mutually agreed-upon umpire. The umpire reviews both appraisals, may inspect the vehicle independently, and issues a binding decision. Agreement between the umpire and either appraiser sets the final award.
Repair Disputes
When the policyholder's appraiser and the carrier's appraiser disagree on the cost of repair — whether it's labor rates, parts, procedures, or scope — I review both positions, evaluate the repair methodology, and render an impartial decision based on the facts.
Total Loss Valuations
When two appraisers cannot agree on the Actual Cash Value of a total loss vehicle, I independently research comparable sales, evaluate vehicle condition, and determine a fair market value — without bias toward either side.
Neutral & Unbiased
I do not represent either party. My role as umpire is to evaluate the evidence presented by both sides and reach a fair, defensible determination. My only obligation is to the facts.
QUALIFICATIONS
Why Choose CCA as Your Umpire
IACP Certified
International Association of Certified Professionals certified auto appraiser with formal training in vehicle valuation, diminished value, and total loss assessment.
Multi-State Licensed
Licensed and authorized to conduct appraisals across multiple states. Familiar with state-specific appraisal clause requirements and regulatory frameworks.
Industry Experience
Deep experience on both sides of the claims process — collision repair operations, insurance claim handling, and independent appraisal. This perspective ensures thorough, well-reasoned decisions.
THE PROCESS
How It Works
Once both party-appointed appraisers agree to select me as umpire, here's what to expect.
1
Notification
Both appraisers notify me of the selection using the form below. I confirm availability and provide my fee schedule.
2
Document Review
Both parties submit their appraisals, supporting documentation, photos, estimates, and any relevant policy language.
3
Independent Evaluation
I review all evidence, may request additional information or conduct an independent inspection, and analyze both positions.
4
Award
I render a written umpire award. Agreement between the umpire and either appraiser constitutes the binding appraisal award.
Request Umpire Services
If both party-appointed appraisers have agreed to select me as umpire, please complete the inquiry form with the case details. I'll respond within one business day to confirm availability and discuss next steps.
What to Include
- Your name, contact information, and role in the dispute
- The type of dispute (repair or total loss)
- Insurance carrier and claim number
- Vehicle information
- Any relevant context about the dispute
Fee Structure
Umpire fees are discussed on a case-by-case basis and are typically split between the parties as outlined in the insurance policy's appraisal clause. Fee details will be provided upon confirmation of availability.
Questions? Email charles@collisionclaimsadvisors.com or call (877) 587-3040.
Need an Appraisal Instead?
If you're looking for a party-appointed appraiser for a diminished value, total loss, or repair dispute, we can help with that too.
VIEW APPRAISAL SERVICES
