RTA Right To Appraisal

The right to appraisal (RTA) is a crucial component of the collision repair industry, offering a non-litigious method to resolve disputes between insurers and policyholders. This mechanism allows for an independent assessment when there are disagreements over the amount owed for a loss. The RTA empowers policyholders by giving them the ability to challenge an insurer's estimate, ensuring fairness and transparency in the claims process.

Expert appraisals play a key role in the RTA process, with each side hiring an appraiser and agreeing upon a third appraiser if necessary (the "umpire"). If any two out of the three appraisers agree on a dollar value for the loss, that amount becomes binding. The flexibility of the RTA allows it to be invoked before, during, or after repairs, accommodating adjustments based on unforeseen issues discovered during the repair process.

Safety considerations are paramount at CCNA, where repairs are conducted to meet stringent safety standards. The RTA helps address hidden damage that might impact a vehicle's safety, ensuring that repairs are comprehensive and thorough. In summary, the right to appraisal promotes trust and accountability in collision repair, offering a fair and efficient resolution for both insurers and policyholders.