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The Nation's #1 Rated Claims Dispute Expert

The Insurance Company Lowballed You. We Balance the Scales.

Sun Auto Appraisers is the nation's premier independent auto appraisal authority. We dispute unfair total loss claims and diminished value offers with an elite, USPAP-certified appraisal process and a $0 upfront, pay-after-you-collect guarantee.

100% Risk Free
USPAP-Certified
Nationwide Service
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Call Now: 863-852-6315
Verified Settlement Win
Sun Auto Records
Active Client
DISPUTE TYPE: TOTAL LOSS CLAIM (24 Mercedes)STATE FARM
Carrier Lowball$39,460
We Collected$66,150
Net Difference Recouped:+$26,690 (+68%)
DISPUTE TYPE: DIMINISHED VALUE (25 Mercedes)TRAVELERS
Carrier Lowball$0 (No Offer)
We Collected$13,410
Net Difference Recouped:+$13,410 (100% Payout)

+$3,549 Average Increase

Recovered directly from insurance carriers for drivers nationwide.

We Dispute and Defeat Every Major Insurance Carrier

STATE FARMGEICOPROGRESSIVEALLSTATELIBERTY MUTUALUSAA
Our 4-Step Process

Simple, Transparent, and Guaranteed.

We take the complexity and frustration out of insurance disputes. We handle the documentation, the appraisals, and the carrier negotiations from start to finish.

01

Free Claim Review

Upload your insurance company's lowball total loss valuation report or repair estimate in our secure portal.

02

Certified Valuation

Our USPAP-compliant certified appraisals construct an ironclad, independent market appraisal report of your vehicle.

03

Appraisal Clause Filed

We invoke the appraisal clause in your policy and handle all negotiations with the insurance adjuster directly.

04

Collect Your Payout

The carrier issues your diminished value check or signs the agreement for your increased total loss payout. That is when you pay our fee.

Verified Customer Reviews

Our Clients Recovered Millions. Here's How.

We take the complexity and frustration out of insurance disputes. We handle the documentation, the appraisals, and the carrier negotiations from start to finish.

Interactive Estimator

How Much Value Did You Lose?

Insurance companies use automated algorithms to intentionally undervalue your car by 20% to 40% on total loss claims, or ignore diminished value after an accident. Our USPAP-compliant certified appraisals establish the true, bulletproof market valuation.

1

Total Loss Dispute

Your car is totaled and the insurance check is too low. We perform local market analysis to force a fair settlement.

2

Diminished Value Claim

Your car was repaired after an accident, but now holds a permanent black mark on its history report. We recover the lost resale value.

Typical Settlement Increases

Total Loss Claims Dispute+$3,464 Avg. Win

Based on national market comparable values+18% settlement increase

Diminished Value Claims Recovery+$4,066 Avg. Win

Based on permanent damage records97% carrier payout rate

No Upfront Payment Required

For Diminished Value claims, you only pay after you collect. For Total Loss claims, we invoice once the settlement is finalized and before signing the appraiser agreement. We provide the certified appraisal report for you to submit to the carrier.

Proven Track Record

Over $3.2M Recouped from Lowball Insurance Offers

Browse real, certified settlement wins pulled directly from our active claims database. We routinely secure thousands of dollars in additional payouts against major carriers like State Farm, GEICO, and Progressive.

1

State-by-State Analytics

Our appraisers review local market comps within your specific zip code to ensure perfect accuracy.

2

Fully Court-Approved Reports

Every appraisal is USPAP compliant to hold up in court and against insurance adjuster objections.

Live Settlement Wins

Direct from our certified appraisers database

Live Database
Total LossState Farm

24 Mercedes

Lowball Offer$39,460
We Collected$66,150
Difference Recouped:+$26,690 (+68%)
Total LossState Farm

20 Honda

Lowball Offer$23
We Collected$25,895
Difference Recouped:+$25,872 (+114040%)
Total LossState Farm

1966 Ford Fairlane

Lowball Offer$7,100
We Collected$27,000
Difference Recouped:+$19,900 (+280%)
View All 770+ Disputes
Frequently Asked Questions

Got Questions? We Have Answers.

How does your "Pay After You Collect" policy work?

We operate risk-free. For Diminished Value claims, you only pay after you collect from the insurance company. For Total Loss claims, we invoice you once the increased settlement is finalized (before signing the agreement with the appraiser), ensuring you know precisely what you are getting. We do not submit claims directly; we send you the certified appraisal report to submit to the carrier.

What is a Diminished Value claim?

If your vehicle was in an accident that was not your fault and it has been fully repaired, its market value is permanently reduced because it now has an accident record (such as CARFAX). A Diminished Value claim allows you to recover this loss of market resale value directly from the at-fault driver's insurance company.

My car is totaled. Why is the insurance offer so low?

Insurance companies utilize computer valuation systems (like CCC ONE) designed to find the cheapest comparable vehicles in distant markets, ignoring local pricing, premium dealer options, or recent repairs, and then applying opaque "adjustments". This results in a lowball offer. We perform a highly detailed, certified appraisal based on actual cash value (ACV) comparable vehicles that forces them to pay your vehicle's true replacement cost.

Are your appraisals certified?

Yes, we produce certified auto appraisals. Every appraisal is drafted in strict compliance with the Uniform Standards of Professional Appraisal Practice (USPAP). Our reports are fully court-approved and designed to hold up in front of adjusters, arbitrators, umpires, and judges.

No Upfront Fees. Pay After You Collect.

Start Your Free Claim Review

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