The appraisal clause is a provision built into your auto insurance policy — not a separate law you have to invoke through a court. Here's what it is, in plain terms.
It's a contractual right that lets either you or your insurer demand a binding, independent determination of a disputed claim amount, without filing a lawsuit. It applies to disagreements over dollar amount — not disputes over whether something is covered at all.
The appraisal clause doesn't resolve coverage disputes (whether the policy covers the loss at all) or liability disputes (who was at fault). Those issues generally require a different process, sometimes involving an attorney.
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