damage.
Your final option is to go through arbitration, which is often similar to the appraisal process. The main differences are that arbitration involves investigations and, rather than focusing on the value, they determine who’s at fault. Keep in mind that in some locations, the appraisal clause may be equated with arbitration. As with so many things related to insurance, this varies by state. By the way, there’s a good trick to speed up the process, regardless of which route you choose: Report the claim to the other driver’s insurance company. If you need a rental car, consider renting one and letting them know. This often causes them to speed up the process because they don’t want to pay for that rental car any longer than necessary!
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