Third-Party DV Recoverable
80%
6 years for property damage
Available — Fee Reimbursement Law (ORS 742.466)
Total Loss Claims in Oregon
Threshold: 80%
Vehicle is totaled when repair costs exceed 80% of ACV
ORS 742.466 — insurer must reimburse appraisal costs if you win
Very long statute of limitations (6 years) benefits claimants
Best state in the nation for appraisal fee reimbursement
Oregon's ORS 742.466 is a game-changer for total loss claims. If you invoke the appraisal clause and the independent appraisal comes in higher than the insurer's offer, the insurer must reimburse your appraisal costs. This makes disputing a lowball total loss offer essentially risk-free.
Diminished Value in Oregon
Third-Party DV Recoverable
BEST state for appraisal fee reimbursement
ORS 742.466 requires insurer to pay your appraisal costs if you win
Very long statute of limitations
Modified comparative negligence state
Oregon has one of the strongest consumer protection statutes in the country. Under Oregon Revised Statute 742.466, if you dispute the insurer's offer and demand appraisal, and the final award is greater than the insurer's last offer, the insurer MUST reimburse your reasonable appraisal costs. This makes hiring an appraiser essentially risk-free.
Body Shop Appraisals in Oregon
Right to Appraisal (RTA) for Repair Disputes
ORS 742.466 makes invoking the appraisal clause essentially risk-free
Body shops can confidently refer customers to the appraisal process
Rain and moisture make proper repair procedures essential
OEM parts and ADAS calibration should be documented
Oregon's fee reimbursement law (ORS 742.466) is particularly beneficial for body shop customers. If the insurer's repair estimate is too low, the customer can invoke the appraisal clause with minimal financial risk.
Cities & Towns We Serve in Oregon
Hyper-local auto damage appraisal services across Oregon
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Oregon. Click on any city below for location-specific information.