Following an accident over Labor Day weekend, our RV, a 2014 Arctic Fox 992 slide-in truck camper, was declared a total loss by State Farm. This is a relatively rare model, and because we had purchased it about seven years earlier for over $30,000, we knew something wasn't right when State Farm's initial settlement offer came in at just $18,000. At the time, I was unaware of Oregon's "appraisal clause," which gives policyholders the right to invoke an independent, certified appraisal when they disagree with their insurance company's valuation of a total loss. Looking back, State Farm's valuation was, honestly, a joke. They relied on older model-year comparables, entirely different camper models, and what I later learned were "ghost listings" from thousands of miles away that I was never able to verify. To make matters worse, some of the basic details about our camper were factually incorrect. I started researching independent appraisers with RV experience and found that Ken's reviews were among the only ones that specifically mentioned experience and success negotiating RV total-loss settlements. I contacted four local appraisal companies. One took nearly three weeks just to acknowledge my inquiry, and two never responded at all. I called and left a message for Ken at Leverage Auto Appraisals and received a return call just a few hours later. Ken patiently answered all of my questions, clearly explained the process, and immediately put many of my concerns at ease. I also appreciated that Ken charges a flat fee paid upfront, whereas several other appraisers I contacted charged a percentage of your final settlement. Hiring Ken was one of the best decisions we made during this process. He was professional, communicative, incredibly knowledgeable, and kind from start to finish. He thoroughly reviewed our claim, advocated on our behalf, and negotiated directly with State Farm to ensure the valuation more accurately reflected the true value of our camper. Once his work was complete, he also provided clear, concise instructions on how to communicate with the insurance company moving forward. As a direct result of his efforts, State Farm increased our settlement by an additional $4,684, resulting in a much fairer outcome than their original offer. Throughout the entire process, Ken kept us informed, patiently answered our questions, and helped relieve a great deal of the stress that comes with navigating a total-loss claim. The best part? Because Ken successfully negotiated a higher settlement on our behalf, State Farm is now required to reimburse us for the cost of his appraisal services as well. I would not hesitate to hire Ken again and would strongly encourage anyone facing a total-loss insurance claim to contact him, discuss their situation, and consider invoking their appraisal clause. His expertise more than paid for itself, and his professionalism made a difficult and frustrating situation much easier to navigate. Thanks, Ken!!!

Hello folks, I am writing this to help you make a proper decision on who to hire for assistance with Insurance offers after a crash. I was involved in a crash 6/27/2026 caused by a Careless young driver. He received 2 citations. He never looked until I hit him. He pulled out in front of me within 50' I was going 45mph while I was hauling my 41' 5th wheel home to trade in on a smaller unit. You cannot stop that much mass in 50'. Until I hired Ken this crash was a total disaster. My insurance company offered me about half of what my 2005 Dodge 2500 fully equipped to tow large 5th wheels. They offered $15,485 and some change far less than what it was worth. I went back and forth with the Ins company they countered with $17k the cost to replace my truck with a similar truck with same low mileage was ranging from $20k to $25K... I asked for $18. They went back and reassessed and told me the estimate came back even less and they couldn't give me $18k and that their offer of $17k was now in jeopardy! I had sent them my comparable's from all over the country. They wouldn't budge! Their comparables were not even close, a commuter truck, a worn out truck with over 1/4 million miles on it, a standard cab truck, & NONE of them had my upgrades for towing! Apples and Oranges. I did some looking, checked Ken's reviews. I talked to my neighbor in Ocean Park WA, they had a similar situation and told me about their great experience with Ken! I called Ken, called back right away, he is straight forward, easy to talk to. He also explained this would be a process and would do the best he could, and indeed he is a professional and good at his job. He challenged their comparables and I got the final offer below: ****************************************************************** Insurance company: Progressive Group of Insurance Companies Vehicle: 2005 Dodge Ram 2500 Insurance offer: $15,435.81 Final settlement: $23,964.00 Increase: $8,528.19 (+55.2%). ****************************************************************** I had spent way too much time trying to settle up with insurance, about a month and a half. Do not waste your time dealing with the cheating tactics that insurance companies use. Everyone needs an expert in their corner. Leverage/Ken is that person. I am pleased with the outcome. Yes, it took a little bit of time, which Ken explained Up Front 🙂 Had I called Ken in the 1st place I could have settled sooner. Anymore regardless of fault, the only people that win after crash is the insurance companies. I remember a time if it wasnt your fault you were made whole... No more apparently. My suggestion is hire Ken right Away do not waste your own valuable time with insurance companies & low ball offers/tactics. The Oregon law is actually on our side. But if you don't use your rights the insurance companies will run over you like a freight train. Ken does this everyday and does it great! Much thanks to you Ken! I hope I never need your services again, if I do you are my 1st call. I have already let 3 people I know that have similar circumstances about you. I will continue to send folks your way any time I hear of someone that has had a crash, you earned it! Most sincerely, Gary

Ken was fantastic and delivered more than I could have hoped for. He was able to increase the offered settlement by more than 100%. If you believe your vehicle may be worth more than your insurance company is offering, contact Ken and let him do his magic. It will be worth its weight in gold. Thank you Ken for standing up for the little guy!

My first car and my first car accident. My Kia had 10 more years in her, and Ken made sure I got paid for those years by negotiating for $3K more on my reimbursement. He's timely, he's communicative, he's clear about what details can help or hinder your case, and it was real nice talking with him. As of now, my only loss was my stickers.

Ken Nix amazed me with his positivity and his results. Not only did he make the appraisal process quick and easy -- he also made it profitable. I love a good win-win-win! My 2017 Rav4 SE hybrid ended up being totaled after we were rear-ended. I loved that car and it only had 85k miles on it. Most of all I loved its 2 tone cinnamon interior -- very rare! State Farm's appraisal suspiciously did not use the same model car as mine and the averages just did not average out, so I contacted Ken. In exactly one week he delivered an appraisal that was $1833 higher than the initial offer! There is absolutely no reason NOT to contact Ken at Leverage Auto Appraisals. He does admirable work and you will never regret it! Insurance company: STATE FARM INSURANCE COMPANIES Vehicle: 2017 Toyota RAV4 SE Hybrid Insurance offer: $22,217.00 Final settlement: $24,050.00 Increase: $1,833.00 (+8.3%)

I can't give more than 5 stars, but i would if I could. Our 2002 ford f350 super duty with the 7.3 engine was stolen. We knew within 2 hours of it missing. Called cops, they did a report, daughters and myself flooded social media with pictures. We've lived in our town for 35 years. We owned the truck 21 years in this town. We got over 10,000 shares in 36 hours! Well truck was returned trashed! Insurance did their "appraisal" and offered us $12,108. Well we know what we had before it was stolen. I told them I would not accept their offer. So I called a personal appraiser LEVERAGE AUTO APPRAISALS out of the Portland Oregon area. Oh boy am I glad I did! Ken Nix what an amazing man. Very professional. He told me he could get me at least 10k more than their offer. We talked for a long time, I sent him everything I had, plus before and after pics of our truck. Boy within a week, he worked his magic and got us 10+ K additional. Boy am I glad a called that guy!! I highly highly recommend calling him if you feel insurance is being less than fair. He will be straight forward with you, if he can't help, he will tell you that right up front. No games with Ken. Thank you Ken, you are an amazing man and we appreciate you!

I cannot express how HIGHLY I recommend Ken at Leverage Auto Appraisals. He was up front with me when I first contacted him, even before hiring him, on what I should expect throughout the process and what his thoughts were on my appraisal / valuation. He gave detailed information to back up his claims and why he'd fight for me. Ken delivered on his valuation and his hard work showed! Here are the details of my appraisal: Insurance company: STATE FARM INSURANCE COMPANIES Vehicle: 2023 Toyota Tundra 4WD Limited Insurance offer: $46,933.00 Final settlement: $50,000.00 Increase: $3,067.00 (+6.5%)

When we didn’t see eye to eye with the insurance company on the value of our totaled vehicle, Leverage Auto Appraisals fought for us and got us over $4,000.00 more than what the insurance company was trying to pay us (plus a refund of his fee). Ken is experienced and knowledgeable about the industry, and he’s a pleasure to work with. He truly made it a painless process.

I’m so glad I found Ken at Leverage Auto Appraisals! My insurance company's offer for my truck was so low, I knew that it wouldn’t come close to being able to replace it with something comparable. Ken responded quickly, reviewed my valuation, and took on the appraisal process. He was honest about what he thought he could accomplish without making promises. The final settlement was an increase of 149.4%! I’m in Bend, and working with Ken was absolutely worth it. Having someone knowledgeable handle the valuation dispute was such a relief and the results basically speak for themselves. If you’re questioning your insurance company’s total-loss offer, I highly recommend reaching out to him. Thank you, Ken!

Very informative! Made the process easier. Insurance company will take their time letting you know what’s happening through the process. Ken answered quickly! Don’t hesitate to use this company! He’s great! My car was totaled sitting in a parking lot at wal mart. Thanks to Ken for his professionalism !