After Clippinger sued, State Farm triggered the appraisal clause within the insurance coverage coverage, which permits both aspect to hunt a binding unbiased valuation if they can not agree on the payout. Three appraisers produced three completely different numbers. State Farm’s appraiser got here in at $14,432 – really beneath the unique payout. Clippinger’s appraiser mentioned $17,756.69. The impartial third appraiser landed at $18,476.13. Clippinger’s appraiser ultimately got here round to the third appraiser’s determine, and the 2 issued a written choice valuing the van at $18,476. Beneath the coverage’s phrases, that quantity was binding. State Farm paid Clippinger greater than $4,000 on high of what she had already acquired.
