Independent Automobile Appraisers – it is an industry that has changed but, regrettably, not for the better and definitely not for the benefit of auto owners like you and I. From small-operators to companies that offer nationwide service, many independents court insurance companies as clients rather than private parties. One may concede that it makes perfect fiduciary sense. Once they land a big fish like Allstate, State Farm or Progressive, a steady income is virtually guaranteed. Making the job even more desirable is that these appraisers can produce “computerized” valuation and diminished value reports based on formulas, algorithms, valuation guidebooks such as NADA or, in many cases, simply offer their “expert” opinions.