Total Loss Claims Against the Other Driver's Insurance
If another driver caused the accident, you may be dealing with their insurance company instead of your own. That is called a third-party claim, and it works differently from a claim on your own policy.
What's different
- You don't have a policy contract with the other driver's insurer, so the options written into your own policy, including an appraisal clause, usually don't apply.
- The goal is still the same: to be paid what your vehicle was actually worth before the loss.
How to negotiate
- Ask for the valuation they used and check it the same way you would on your own claim: trim, options, mileage, condition, and comparables.
- Put your disagreement in writing, with evidence.
- A documented independent appraisal is strong evidence when you don't have an appraisal clause to fall back on.
Other options
Depending on your coverage, you may be able to file with your own insurer instead and let them pursue the other driver's insurer. Ask your agent which path makes more sense for you.
Think your total loss offer is too low?
Our independent appraisers build a documented valuation from market data, equipment and condition, and stand behind it through negotiation with your insurer.
Common questions
- Can I invoke the appraisal clause on a third-party claim?
- Usually not, because the clause is part of your own policy, not the other driver's. An independent appraisal can still support your negotiation.
More guides
- How to Dispute a Total Loss Settlement Offer
- What Is the Appraisal Clause in an Auto Insurance Policy?
- How Insurance Companies Calculate a Total Loss (Actual Cash Value)
This guide is general information, not legal advice. Policy terms and consumer rules vary by insurer and state. Check your policy, and contact your state insurance department with questions about your rights.