1. Overview

The 125% Confidence Guarantee ("Guarantee") applies only to eligible appraisal services purchased directly from Autopraisal.

If the documented increase in the client's final monetary settlement attributable to Autopraisal's appraisal is less than 125% of the appraisal fee paid, Autopraisal will issue a Guarantee Payment equal to the difference, up to the amount of the appraisal fee actually paid.

The Guarantee is intended to reduce the financial risk associated with obtaining an independent appraisal. It is not a promise of any specific valuation, settlement amount, or insurer response.

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 Example (actual amounts will vary): 

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2. Eligible Services

The Guarantee applies only to:

    - Total Loss Appraisals

    - Diminished Value Appraisals

The Guarantee does not apply to:

    - Salvage Value Appraisals

    - Insurance Policy Valuation Appraisals

    - Estate Appraisals

    - Divorce Appraisals

    - Bankruptcy Appraisals

    - Donation Appraisals

    - Pre-Purchase Inspections

    - Expert Witness Services

    - Consulting Services

    - Vehicle Inspections

    - Any other service unless expressly stated in writing by Autopraisal.

3. Eligibility Requirements

To qualify for the Guarantee, all of the following conditions must be satisfied:

    - The appraisal fee must be paid in full.

    - The appraisal must be completed by Autopraisal.

    - The appraisal must be submitted to the insurance company or responsible party substantially as issued.

    - The client must provide the insurance company or responsible party a reasonable opportunity to review the appraisal before accepting a final settlement.

    - The client must pursue the claim in good faith.

    - The client must cooperate with reasonable requests for documentation necessary to verify eligibility.

    - The client must notify Autopraisal of the claim outcome within thirty (30) days after final settlement.

4. Determination of Settlement Increase

For purposes of this Guarantee, the Settlement Increase is calculated as the difference between:

    - The highest documented written monetary offer made immediately before the appraisal was submitted; and

    -The final documented monetary settlement accepted by the client.

Only direct increases in the vehicle valuation are considered.

The following are excluded from the calculation:

    - Taxes

    - Title or registration fees

    - Rental reimbursement

    - Towing or storage charges

    - Attorney fees

    - Court costs

    - Interest

    - Goodwill payments

    - Repair concessions

    - Administrative adjustments

    -Incidental expenses

    - Non-cash benefits

    - Any payment unrelated to the disputed vehicle valuation.

If no written valuation offer existed before the appraisal was submitted, the pre-appraisal offer shall be deemed to be zero.

5. Settlement Increase Attributable to the Appraisal

For purposes of this Guarantee, a Settlement Increase is considered attributable to the appraisal only to the extent the increase reasonably results from the market evidence, comparable vehicle research, valuation methodology, adjustments, analysis, or conclusions contained within Autopraisal's appraisal report.

Settlement increases resulting solely from factors unrelated to the appraisal—including, but not limited to:

    - Correction of VIN or vehicle identification errors

    - Mileage corrections

    - Option or equipment corrections

    - Ownership or lienholder corrections

    - Sales tax or fee adjustments

    - Clerical or mathematical errors

    - Coverage determinations

    - Liability determinations

    - Policy interpretation

    - Deductible corrections

    - Administrative adjustments

    - Goodwill payments

    - Any other issue unrelated to the appraisal's opinion of value shall not be considered attributable to the appraisal for purposes of calculating any Guarantee Payment.

Autopraisal shall determine, in its reasonable professional judgment, whether all or part of any Settlement Increase is attributable to the appraisal based upon the available documentation.

6. Guarantee Payment

If the verified Settlement Increase is less than 125% of the appraisal fee paid, Autopraisal will issue a Guarantee Payment equal to the difference between:

    - 125% of the appraisal fee; and

    - The verified Settlement Increase.

The maximum Guarantee Payment shall never exceed the appraisal fee actually paid.

No consequential damages, punitive damages, attorney fees, interest, lost profits, or other compensation shall be payable.

7. Exclusions

The Guarantee does not apply if:

    - The appraisal is not submitted to the insurance company or responsible party.

    - The client accepts a settlement before allowing reasonable review of the appraisal.

    - The client materially alters, edits, or misrepresents the appraisal.

    - The client abandons the claim.

    - The claim is denied for reasons unrelated to valuation, including coverage disputes, liability disputes, fraud investigations, policy exclusions, policy lapse, or statutes 

       of limitation.

    - The client fails to provide documentation reasonably requested by Autopraisal.

    - The appraisal is used in litigation, arbitration, appraisal clause proceedings, mediation, or other legal proceedings unless specifically agreed to in writing.

    - The client provides false, incomplete, or misleading information.

    - The appraisal is used for any purpose other than the claim for which it was prepared.

8. Requesting a Guarantee Payment

Requests must be submitted within thirty (30) days after final settlement or written claim resolution.

The client must provide:

    - A written request for review;

    - The insurer's initial written valuation offer;

    - The final settlement documentation;

    - Copies of relevant correspondence if requested; and

    - Any other documentation reasonably necessary to verify eligibility.

9. Independent Appraisal Disclaimer

Autopraisal provides independent, USPAP-aligned opinions of value developed through recognized appraisal methodology. Autopraisal does not negotiate insurance claims, settle claims on behalf of clients, provide legal representation, adjust insurance claims, or guarantee that an insurance company will accept or adopt its conclusions. 

10. Non-Transferability

The Guarantee applies only to the original client purchasing the appraisal and may not be assigned or transferred without the written consent of Autopraisal.

11. Modification or Discontinuation

Autopraisal reserves the right to modify, suspend, or discontinue the 125% Confidence Guarantee at any time.

13. Acceptance

By purchasing an eligible appraisal service, the client acknowledges that:

    - They have read and understand these Terms & Conditions.

    - They understand that Autopraisal serves solely as an independent appraiser and does not negotiate insurance claims or settlements.

    - They agree to the eligibility requirements and limitations of the The 125% Confidence Guarantee.

    - They agree that Autopraisal's liability under this Guarantee is limited solely to the Guarantee Payment described herein.

These Terms & Conditions constitute the entire agreement regarding The 125% Confidence Guarantee and supersede any prior oral or written representations regarding the Guarantee.