Insurance Companies of Concern Alpharetta, GA

Companies of Concern – Our Findings

Through our extensive experience and customer feedback, we’ve identified certain insurance companies whose practices in handling claims may not align with what we consider fair, especially concerning the appraisal clause. This clause is crucial as it offers an avenue for dispute resolution regarding the value of your claim.

  • State Farm: Limits the use of the appraisal clause solely to Actual Cash Value claims, excluding diminished value claims and repair estimates. This restriction can significantly impact consumers, especially when dealing with repair-related disputes.
  • Allstate – exhibits several concerning practices regarding the right to appraisal:
    • Hiring specific appraisers who intentionally delay the process, leading to resolutions taking up to 120 days.
    • Selling policies that have removed the word “binding” from the appraisal process.
    • Employing independent appraisers who insist on using umpires that favor Allstate’s interests, rather than selecting an unbiased neutral umpire.
    • Intentionally rigging the appraisal process to minimize payouts.
  • AAA-Memic and Turo have explicitly excluded diminished value coverage from their insurance policies.
  • Auto-Owners Insurance lacks an appraisal clause. As a result, disputes over repair estimates, the actual cash value of a vehicle, or its diminished value are more likely to require legal intervention for resolution. In addition, Your Auto-Owners agent may propose a reduction in premiums in return for a waiver of your rights to claim for diminished value.
  • Safeco & ALFA: These companies have omitted the appraisal clause from their policies. Consequently, if their settlement offer does not meet your expectations, your options are constrained to accepting their offer or initiating legal action—a position we find unreasonable for any policyholder.
  • Trexis (Owned by ALFA): While they have an appraisal clause, it can only be utilized if both the vehicle owner and Trexis agree to use it. In other words, Trexis can refuse to utilize the appraisal clause, rendering it useless and leaving you in a situation where you will likely have to sue them to get a response.
  • Commercial Insurance Policies by Lula, and Auto-Owners, and some others. We recommend you send us a copy of your insurance policy prior to moving forward.

Disclaimer: Despite the concerns mentioned below, we have solutions available for you if you are with these companies. The concerns listed are meant to raise awareness about the manipulations in the policies sold by these insurance companies. If you are dissatisfied with your current insurer, please refer to our page of recommended insurance companies here.

Our happy clients!

Wreck Check Atlanta is the leader in Post Repair Inspections, Diminished Value Assessments and detecting Improper and Unsafe Repairs. Due to our success we have many satisfied clients that would like to tell you about their experience with our company.

  • Amazing! He told me early on how much money he was going to be able to get me and he was spot on. I paid a small fee to get thousands more in my diminished value claim than the insurance company was offering. Further, RJ was very easy to get in contact with. He responded to my emails almost instantly. The whole process went by so quickly once he was involved. I would recommend him to anyone.

    Hunter Owens
  • My insurance company offered me 37 bucks in diminished value. My case was slightly complex due to the insurance companies appraiser being stubborn and difficult. It had to be escalated to an unbiased umpire for a final binding decision. I wasn't expecting for it to go this far however it did. I ended up getting close to 3K back. RJ is extremely professional and he fights for you. The only issue to me is his preferred method of communication which is by email. Which i became accustomed to because he responds more prompt that way. He generated a 30 to 40 page report. He works extremely hard and for that I'm appreciative.

    Ricky Major
  • RJ is Awesome! He got me 10x what the insurance company offered on a 2 year old accident. Also, I traded the car in 7 months ago so I no longer had it. If I could share this experience with every person I see I would. I’ve already told several family and friends, it’s really just unbelievable to me! If you have any question what so ever, I promise his fee will be the best $275 you’ll ever spend!!

    Paras Raichura
  • Very responsive and professional. Helped me through the process step by step. I know that without their help I would not have gotten any money from the insurance company, literally pennies on the dollar without Wreck Check!

    Mayra Saldana
  • RJ Sweeney is very quick, effective, and efficient. He got me more money out of my car’s value after my insurance company low-balled me. Use him!!!

    Jessica Via
  • Helped us through the process. Very responsive. We were able to get more than we originally though. Thanks, RJ!

    Dani Senne
  • This was my first time working with a diminished value appraiser and RJ Sweeney made it an amazing experience. He helped me get 10 times the amount of the original offer from the insurance company

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Call: 770-675-1828
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