2025 BMW X5 · total loss
Insurer's first offer
$65,264
Final appraisal award
$69,413
+$4,149 recovered, 6% over the first offer.
The story
The insurer looked at a 2025 BMW X5 in Seattle, WA and saw $65,264. We looked at the same car and saw a number that needed a second opinion.
So the owner invoked the appraisal clause in their policy. We pulled local comparables and documented every adjustment.
The award came back at $69,413: $4,149 more, up 6%. Same car, better arithmetic.
The moral: a first offer is an opening line, not a verdict.
Watch the result
Could this be your claim?
- Most policies already include itThe appraisal clause is standard in most auto policies. You do not need to sue anyone to use it.
- The first offer is an opening numberIt comes from valuation software and a set of comparables you are entitled to question.
- We tell you if there's nothing thereThe claim checkup is free, and we say so when the offer is already fair.
Every figure here comes from the closed file. We withhold the client's name and insurer, and results vary: past results don't guarantee future outcomes. Any vehicle photo shown is a stock image, never the client's car. Vehicle photo: Clock38030 / CC BY 4.0.