How an auto insurance claim dispute works
When an insurer's number is lower than the loss, the policy itself usually contains the mechanism for challenging it.
Not available yet
We are not accepting auto insurance advocacy files yet. This page describes how the process is designed to work, not a service you can start today. The panel of independent appraisers it depends on is not in place, and nothing here should be read as a claim that it is.
The steps
Tell us what the insurer offered
The vehicle, what happened, what they have paid or offered, and what you believe the loss actually is. Two minutes, no documents needed yet.
We review the offer against the policy
Most auto policies contain an appraisal clause, a route for resolving a disagreement about the amount of a loss without litigation. Whether it applies depends on your policy and your state.
We tell you where you stand
A straight answer on whether the gap is worth pursuing and what the realistic range looks like. If it is not worth pursuing, we say so.
An independent appraisal establishes the number
The disagreement moves to appraisal, where each side's appraiser values the loss and an umpire settles any remaining difference. The outcome is a figure, reached without a lawsuit.
The insurer pays the difference
An appraisal award is binding on the amount in most policies. You keep the recovery less our share of it, and you owe nothing beyond the engagement cost if there is no recovery.
What we don't do
- We don't give legal advice. Satisfy is not a law firm and nothing we send you is a legal opinion.
- We don't represent you in court. If your situation needs litigation, we'll tell you and connect you with a law firm, taking nothing for the introduction.
- We don't guarantee a recovery. Anyone who does is telling you something they can't know.
More on this service line on the auto insurance page.
Tell us about the claim
Two minutes, no payment, and a straight answer on whether the gap is worth pursuing.
Would rather read first? How the process works or start the full application.