When disputes arise between a vehicle owner and an insurance company—especially over the value of a total loss or a diminished value claim—Umpire and Mediation services can provide a fair, unbiased resolution. At Coast to Coast Appraisals, we offer professional umpire services to help settle appraisal clause disputes quickly, equitably, and professionally.
What Is the Appraisal Clause?
Most auto insurance policies include an appraisal clause that allows either party (you or the insurer) to invoke a formal dispute resolution process if you disagree on the amount of loss. When invoked:
You select an appraiser
The insurance company selects their own appraiser
Both appraisers then agree on a neutral third-party “umpire”
If the two appraisers cannot agree on a value, the umpire steps in to review the case and make the final decision. The value agreed upon by any two of the three parties becomes binding.
What Is an Umpire?
An umpire is a neutral third-party expert in vehicle valuation who reviews the evidence from both appraisers and issues a fair resolution. Umpires play a crucial role in:
Resolving disagreements over total loss value
Settling diminished value disputes
Maintaining objectivity and impartiality
Avoiding costly legal battles or court proceedings
Why Choose Coast to Coast for Umpire Services?
Coast to Coast Appraisals is recognized across the U.S. for its integrity, expertise, and professionalism. When acting as an umpire or mediator, we ensure every case is evaluated based on facts, data, and industry standards.
We Offer:
Neutral, unbiased third-party evaluations
Certified vehicle appraisers with experience in arbitration and legal processes
Fast, efficient dispute resolution to avoid long delays
Detailed documentation of findings and rationale for decisions
Nationwide coverage, serving both policyholders and insurers
Mediation vs. Umpire Services – What’s the Difference?
Umpire Services: Used specifically within the formal appraisal clause process. The umpire renders a binding decision when appraisers disagree.
Mediation Services: A more informal alternative dispute resolution method. We act as a neutral mediator to help both parties come to a mutually agreeable solution—without going to arbitration or court.
When to Consider Umpire or Mediation Services
Disputes over total loss settlements
Disagreements regarding diminished value claims
Conflicting classic car or collector vehicle appraisals
Claims involving modified or rare vehicles
When communication with the insurer has stalled or become adversarial
Final Word
Disputes over vehicle value don’t have to result in frustration, delays, or litigation. With Coast to Coast Appraisals acting as your neutral umpire or mediator, you gain a fair, professional evaluation that helps move your claim forward with integrity and transparency.
Whether you’re a policyholder, attorney, insurer, or appraiser—trust Coast to Coast for expert guidance in resolving even the most complex vehicle valuation disputes.