Independent Appraisers work with many different insurance companies and are their eyes and ears in the field.  Since most vehicle owners do not understand the role of an Independent, it is very important for the Independent to keep in mind that they represent the insurance company whenever they go out to look at a vehicle.

 

When looking at damage to a vehicle, an important step in the process consists of figuring out how the accident happened.  This helps to determine what damage is from the accident and what is not.  An example of this is on a comprehensive deer hit where there is a left front hit on a car in the head lamp area, as well as a large dent in the left front door.  This example is a very good indication that it could be a deer hit, as the deer could have tumbled down and bashed the side of the door. However, if this was a collision, it is more unlikely for that damage to be related.

 

Below are some important steps an IA takes when performing an appraisal on a vehicle:

• Verify that it is the correct vehicle that is to be appraised (VIN #)
• Note any unrelated prior damage on the vehicle & overall vehicle condition
• Take all appropriate photos to verify all the damage
• Complete scope sheet indicating damage to vehicle
• Write the appraisal
• Contact body shop to obtain agreed figure
• If required, send copy of estimate to shop and owner
• Send completed file to insurance company

 

Morey Washington, owner of MWA Appraisal Group, states “One of the advantages of having been in this business for the past 25 years is that I’ve seen a lot.  The burden of proof is on the insured, and my job is to verify the proper damage and to write an accurate appraisal.  I also prefer to error on the side of caution.”    He further stated, “If a panel on a vehicle is damaged, and it’s questionable that it should be repaired or replaced, we always go with the repair.  When it comes to parts, searching for LKQ aftermarket or OE Surplus parts helps us to utilize the most effective cost savings while still offering a quality repair option.”

 

Although an Independent Appraiser represents an insurance company when looking at vehicles, it is the IA’s job to always give an unbiased opinion of a vehicle’s damage. Keeping in mind that a vehicle will tell its own story, helps MWA’s appraisers to provide a quality product to the insurance companies.