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The Appraisal Clause portion of your auto insurance policy, if it has one, allows you to invoke the clause if you feel like your insurance company is not paying to repair your vehicle back to pre-loss condition. Texas law states that you have the right to choose the repair shop and replacement parts for your vehicle. It also states, an insurance company may not specify the brand, type, kind, age, vendor, supplier, or condition of the parts or products used to repair your automobile. Most insurance companies, unfortunately, choose the parts for you by only paying for the cheaper version of the repairs.
Click this button to see very useful information from the Texas Department of Insurance about auto insurance. Also, the highlighted sections on page 11 discuss the appraisal process.
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