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, repair estimate disputes, 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
Independent auto damage appraiser reviewing an insurance policy and valuation report outside a collision center
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Licensed inMA, RI & CT
Serving Vehicle Ownersand Collision Repair Facilities Since 2012
25+ Yearsin the Industry

Choose Your Service

Select the service that best matches your claim, dispute, or appraisal need.

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. folder when the claim is ready

RTA Repairable

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

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Diminished Value

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

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Third-Party Total Loss

Third-party total loss offer too low? Review the valuation and supporting documents before you accept it.

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Estimate Disputes

Independent estimate review for missing operations, OEM procedures, scans, calibrations, supplements, and repair scope concerns.

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Folder Co.

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

Secure file uploads

Track claim progress

Direct communication

Start an RTA folder ->

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 folders, 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.

Classic vehicle appraisal report, collector insurance policy, and appraisal reference materials for specialty vehicle referrals

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
  • Repair estimate or valuation dispute
  • 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 folder managed?

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

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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 Folder Co. folder when you are ready.