A couple of key points in Oregon:

The insurance company is legally obligated to pay the undisputed amount while you negotiate the disputed amount. For example our totaled vehicle was appraised by the insurance company at $7,521, we had valued it at $10,000. The insurance company is required to pay the $7,521 immediately.
If Monica’s estimate is $1 over the undisputed amount, the insurance company is required to pay the appraisal fee above and beyond any other amount. Monica has increased our vehicle values by ≈$3,000 for our Volvo and ≈$8,000 for our motorhome that was totaled, both claims were settled and paid by the insurance companies. Monica aggressively pursued our claim and educated us on steps we can take to motivate the insurance companies to settle quickly.
In summary, Monica increased our vehicle values by ≈$11,000…it’s worth it to call Monica at Autoloss 877-655-1661

Tasi Autele, Portland, Oregon