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Disputing a total loss settlement or insurance offer that's too low? You have rights.

We help vehicle owners and body shops challenge inaccurate valuations, denied claims, and insurance company decisions with independent auto damage appraisal support.

  • Total loss settlement disputes
  • Appraisal clause and arbitration
  • Right to Appraisal for total loss
  • Diminished value claims
  • Repairable vehicle disputes
  • Independent vehicle appraisals
Request a consultationTalk with an Appraiser Start an RTA filePowered by Folder Co. Call 774-287-5550Speak with an Expert
Independent auto damage appraiser reviewing an insurance policy and valuation report outside a collision center
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Licensed inMA, RI & CT
Service Vehicle Owners& Collision Repair Facilities Since 2012
25+ Yearsin the Industry
Main intake path

Total loss and Right to Appraisal first

The site is built around the search phrases vehicle owners use before they know the term RTA: low total loss offer, wrong valuation report, and dispute total loss value.

Priority service page

RTA Total Loss

Insurance total loss offer too low? Use your policy's appraisal clause to resolve a vehicle value dispute.

  • Review CCC, Mitchell, or Audatex valuation reports
  • Check comparables, options, mileage, taxes, fees, and deductions
  • Explain whether appraisal may make sense before the offer is accepted
  • Move documents into a secure Folder Co. file when the claim is ready
View Total Loss RTA Start an RTA file

Total Loss Settlement

Insurance offer too low? Dispute the valuation and get the settlement you deserve.

Start file ->

RTA Repairable

Repair estimate, OEM procedure, calibration, or repair scope dispute? Request an independent appraisal review.

Start file ->

Diminished Value

Recover value lost after an accident, even when repairs are complete.

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Estimate Disputes

Get help when an insurer's estimate, supplement, or denial does not match the repair need.

Start file ->
Folder Co.

All files can be securely managed through Folder Co. so information is safe and accessible.

Secure file uploads

Track claim progress

Direct communication

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For vehicle owners

We level the playing field. Insurance companies have appraisal teams working for them. You have the right to your own independent support.

  • Independent and unbiased appraisals
  • Fee arrangement reviewed before the appraisal path moves forward
  • We work for you, not the insurance company
  • Fast turnaround and clear communication
  • Detailed reports that support your claim

For collision repair facilities

We know the repair field and support shops when estimates, supplements, procedures, or valuation decisions do not match the work required.

SupplementsInsurance supplement and repair support
Estimate reviewsIndependent estimate analysis
Negotiation supportInsurance communication and claim escalation
Procedure supportOEM procedures and repair justification
Appraisal supportAppraisal clause assistance and arbitration
Trusted specialty referral

Classic car appraisal calls go to the right specialist

TBSA stays focused on total loss disputes, Right to Appraisal files, repairable claim disputes, and diminished value. For classic, collector, antique, or specialty vehicle stated value appraisals and pre-purchase inspections, we recommend a trusted New England referral partner.

Start a TBSA RTA file View classic appraisal referral

Common times we can help

  • Insurance total loss offer too low
  • Disagree with the insurance valuation
  • Insurer will not pay for needed repairs
  • Diminished value after an accident
  • Denied or underpaid claim
  • Need an independent opinion

Frequently asked questions

What should I do if the insurance total loss offer is too low?

Save the valuation report, review the comparables, confirm vehicle options and mileage, then request an independent review before accepting the offer.

Do customers usually know the term Right to Appraisal?

Most do not. Many people first search for phrases like insurance total loss offer too low, dispute total loss value, or repair estimate too low.

Do you help both vehicle owners and body shops?

Yes. The Body Shop Appraiser helps vehicle owners with valuation disputes and supports collision repair facilities with supplements, estimate reviews, and appraisal support.

Where is the claim file managed?

Files can be organized through Folder Co., where documents, uploads, and claim progress stay in one secure workflow.

View all FAQs ->

Licensed appraisal support across New England

Primary service coverage for Massachusetts, Rhode Island, and Connecticut.

Massachusetts Total loss, Right to Appraisal, diminished value, and repair estimate dispute support for Massachusetts vehicle owners and collision repair facilities. View MA page ->
Rhode Island Right to Appraisal and insurance claim dispute support for Rhode Island drivers and body shops. View RI page ->
Connecticut Vehicle valuation, estimate review, and appraisal clause support for Connecticut claim disputes. View CT page ->

Need help with your claim?

Talk with an independent appraiser, then start a secure file through Folder Co. when you are ready.

Request a consultation Start RTA file Call 774-287-5550