READ STORIES.
REAL MONTANA. REAL CLAIMS.
What happens when an auto claim goes sideways? These are the stories drivers and shops sent us. Names and details shared with permission.
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August 7, 2026 • Austin Giles
Age Alone Doesn't Determine What a Vehicle Is Worth
A well-maintained 1999 Dodge Ram 2500 was totaled and undervalued at $15,487, but the Right to Appraisal delivered a $21,000 settlement.
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August 5, 2026 • Josh Gonzalez
The Right to Appraisal Protected Our Family Finances
Progressive valued a totaled 2003 Silverado 2500 at $8,469.79, but the Right to Appraisal brought both appraisers to an agreed $14,450.00, more than 70% higher.
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August 4, 2026 • Anonymous
Even Loyalty Doesn't Guarantee a Fair Settlement
A longtime USAA member's 4Runner was declared a total loss and valued at $10,002.24, until the Right to Appraisal raised the settlement more than 52% to $15,224.33.
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July 8, 2026 • E.
An Umpire Valued My Totaled Yukon $12,500 Above GEICO's Offer
A Montana driver with a brand-new OEM engine uses the appraisal clause and an independent umpire to recover more than $12,500 over GEICO's total-loss offer.
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July 8, 2026 • D.
Progressive Undervalued My Totaled CR-V Until I Used My Right to Appraisal
A Montana driver appeals Progressive's total-loss offer on a 2023 Honda CR-V and recovers more than $3,500 through the Right to Appraisal.
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June 30, 2026 • anonymous
Right to Appraisal Got Me $3,646 More for My Totaled Truck
A Montana driver disputes Progressive's total-loss offer on a 2014 Ford F-350 and recovers $3,646.75 more through the Right to Appraisal.
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June 29, 2026 • anonymous
Allstate's Estimate Was Less Than Half What My Repairs Cost
A Montana driver challenges Allstate's $4,728 repair estimate and reaches a fair $11,806.75 settlement through the Right to Appraisal.
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June 17, 2026 • Anonymous
My Truck Was Undervalued by $5,700 Until a Third Party Stepped In
After an insurer totaled a Montana owner's truck over light damage and undervalued it by $5,700, a third-party claims company recovered the full difference.
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June 16, 2026 • Anonymous
Insurance Called My Suburban a Total Loss, Until We Fought for More
After an at-fault driver's insurer lowballed the total-loss payout on a rare Suburban, a Montana owner got far more compensation and kept the vehicle.
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June 5, 2026 • Anonymous
Progressive Denied My Claim Until I Invoked Appraisal
A Montana Subaru owner's claim was denied after striking debris on I-90, until the appraisal clause forced Progressive to cover the full loss.
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March 9, 2026 • Bob Pemberton
Insurers Negotiate Repairs Without the Owner's Knowledge
A career claims professional urges Montana lawmakers to adopt a Right to Appraisal after watching carriers cut repair operations behind owners' backs.
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March 4, 2026 • E.
Hit by an Uninsured Driver, Then Stuck With the Bill
A Montana driver pays 20 percent of repair costs out of pocket after an at-fault uninsured driver, and explains why Right to Appraisal would restore fairness.
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February 19, 2026 • Anonymous
Consumers Shouldn't Be Stuck in the Middle of Repair Disputes
A Montana driver caught between their insurer and repair shop was lucky to have a Right to Appraisal, and urges to make it available to all consumers.
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February 14, 2026 • D. and K.
Why Montana Drivers Need a Right to Appraisal
A Montana driver's firsthand account of an insurance dispute and why Right to Appraisal legislation matters for fair, safe vehicle repairs.
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January 7, 2026 • S.
My Insurer Denied My Right to Appraisal, and No One Could Enforce It
An Allstate policyholder is refused the Right to Appraisal in their policy and learns the Commissioner's Office has no authority to compel compliance.
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