Resources & Information
Tools to help you navigate a Texas total-loss claim.
Reviewed by Matthew Lynch — Texas Total Loss · Last reviewed September 4, 2026
The Texas Appraisal Clause
Understand your contractual right to dispute a low valuation through independent experts. Learn how the process works step-by-step.
Total-Loss Vehicle Value
Learn how "Actual Cash Value" is calculated, what deductions are fair, and how options and mileage affect your settlement.
Texas Chapter 1813
Read about the statute that mandates appraisal rights in Texas auto policies delivered or renewed on or after January 1, 2026.
TDI Resources
Visit the official Texas Department of Insurance website for consumer information, complaint filing, and insurance regulations.
Document Checklist
Before requesting a review or invoking appraisal, gather these essential documents:
- 1The Insurer's Valuation Report (usually a 10-20 page PDF from CCC ONE, Mitchell, or Audatex)
- 2Your Policy Declarations Page (to verify coverage and deductible)
- 3The Original Window Sticker (Monroney sticker) or bill of sale, if available
- 4Recent Maintenance Records (especially for replaced engines or major recent upgrades)
Guides & Articles
Insurance-company total-loss valuation guidesWhat to do when a Texas total-loss offer is too lowHow to dispute a total-loss valuation in TexasCommon CCC vehicle valuation report errorsActual cash value for totaled vehicles in TexasFirst-party vs. third-party total-loss claimsSales tax, title, and transfer fees after a total lossComparable-vehicle adjustments explainedDocuments needed to challenge a total-loss offer
Frequently Asked Questions
Can I use the appraisal clause if the other driver was at fault?
The appraisal clause is a part of your own insurance contract (first-party). If you are claiming against the at-fault driver's insurance (third-party), you generally cannot invoke appraisal. However, many drivers choose to file through their own collision coverage specifically to use the appraisal clause, allowing their insurer to subrogate against the at-fault party later.
Does invoking appraisal delay my payment?
It can. The insurance company generally will not pay the disputed amount until the appraisal process concludes. Some insurers may issue an 'undisputed amount' payment while the appraisal is ongoing, but this varies by carrier and policy. You should clarify this with your adjuster before beginning.
Can the appraisal result in a lower value?
Yes. The appraisal process is binding on the amount of loss. If the appraisers and umpire determine the vehicle is worth less than the insurance company's initial offer, you are bound by that lower amount. This is why a professional initial review is critical.
Who pays for the Umpire?
If an umpire is needed because the two appraisers cannot agree, the cost of the umpire is split equally between you and the insurance company.