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Vehicle Value Video Transcript
If you’ve been in an auto accident, don’t call your insurance carrier until you’ve listened to this short report from “Ask the Expert,” Robert McDorman. It contains free information that could increase your insurance settlement by thousands.
Hi, I’m Robert McDorman, also referred to as “Ask the Expert.” As a licensed Public Insurance Adjuster, I’ve helped thousands of people just like you increase their auto claim settlements by thousands of dollars. I don’t make any secret about how I do it—that’s why I’ve laid out every step in this video.
However, if you just want to quickly find the true value range of your vehicle and what you’re truly owed, click here. I believe everyone needs to be aware of this important information prior to speaking with their insurance company or accepting a rushed, unsupported settlement offer. Too many people, in a time of high stress or even tragic loss, get taken advantage of by their insurance carrier when it comes to receiving a fair value for their property loss.
Please take a moment to watch this short video. I’m going to show you how to increase your settlement for free and avoid being exploited by your insurance carrier. Eight out of ten claims we review are undervalued. In this short video, I’ll walk you through how not to get swindled and how to receive the full value for your car or truck. On average, we help our clients recover an extra $4,300.
If you already suspect your insurance company is trying to push a quick, unsupported settlement offer, click here. If you have more questions and believe your current offer is undervalued but aren’t sure what steps to take, let’s look at those steps and your rights.
Almost all auto policies include an appraisal clause. This gives you, the insured, the contractual right to an alternative valuation pathway. If you’re unhappy with your insurance carrier’s settlement offer, you can invoke this right. In Texas, after years of testimony and research proving widespread undervaluation in personal auto claims, legislators passed a law beginning September 1, 2025, that requires all Texas personal auto policies to include a mandatory, binding appraisal clause whenever there’s a dispute about the proper loss amount.
You’ll likely never hear about this from your insurance carrier, and very few policyholders even know about this right or how to invoke it. As a Public Insurance Adjuster, I am legally authorized to step into my clients’ shoes when dealing with insurance carriers to make sure they get every penny owed. I do this by invoking my clients’ right to appraisal.
The settlement offer you receive from your insurer will be based on a market valuation report. This report is generated using a “black box” valuation tool that applies unsupported adjustments and deductions. In my professional opinion, these tools are designed to undervalue settlements.
After reviewing thousands of these reports, I can confidently say they are almost always low—sometimes by tens of thousands of dollars. As with all black boxes, it’s garbage in, garbage out. In my opinion, these valuation tools are rigged against policyholders.
That’s why I advise everyone to get a second opinion on the value of their vehicle before accepting their insurance carrier’s offer. Without seeing your specific settlement, I can’t say for sure how much it has been undervalued. But here’s one free tip: when you call to report your accident, ask if you can invoke your right to appraisal. They’ll likely tell you to wait until after they’ve issued their offer, but just knowing you’re aware of this right may pressure them into giving you a fair valuation upfront.
Here’s how the appraisal process works: once invoked, both you and the insurer must hire independent appraisers. These appraisers then work together to determine the true valuation of your vehicle—known as the actual cash value. Their agreement is binding, regardless of your carrier’s original black-box valuation.
If you’d like to know the reasonable value range of your vehicle before speaking with your insurance company or before considering your appraisal option, click here. For just $49.95, a leading national auto valuation firm provides step-by-step guidance to help you determine your vehicle’s loss value range.
Keep in mind, invoking the appraisal clause does involve cost. Each party pays for its own appraiser and, if necessary, an umpire. Certified auto appraisals typically cost $400–$500 or more. That’s why starting with the “What’s It Worth” tool at $49.95 can give you peace of mind—either confirming your insurance carrier’s offer or helping you decide how best to proceed before spending hundreds of dollars unnecessarily.
I hope this free advice helps. I’m truly sorry for your loss and wish you the best of luck in getting your life back to normal and securing a fair settlement. Please let me know if I can be of further help.