A comprehensive table with the key metrics for total loss disputes handled by The St. Lucie Appraisal Company.
Here’s the summary table including vehicle, insurer, CCC valuation, St. Lucie Appraisal’s independent appraisal, final settlement, net gain, total investment, and ROI. In each case, the client paid $550.00 for the Valuation Appraisal and representation in Appraisal Clause negotiations.
✅ Observations:
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Even relatively small settlement increases can yield ROI > 300–400%, thanks to low appraisal fees.
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High-value vehicles (e.g., Mercedes SL550, GMC Sierra, Tesla Model X) produce extraordinary ROIs exceeding 1,400–6,000% in some cases.
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Umpire fees are rare, but when invoked, they slightly reduce ROI.
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Across all 50 states, invoking the Appraisal Clause consistently turns lowball offers into significant net gains.
| Vehicle | Insurer | CCC / Insurer Valuation | Independent Appraisal | Final Settlement | Net Gain | Total Investment | ROI |
|---|---|---|---|---|---|---|---|
| BMW 528i RWD | CSAA | $9,308 | $12,416.23 | $11,805 | $1,947 | $550 | 354% |
| Ford Explorer Limited 4WD | USAA | $11,077.76 | $16,924 | $15,000 | $3,372.24 | $550 | 612% |
| Tesla Model Y Long Range AWD | Hartford | $25,185 | $33,141.19 | $31,672.59 | $5,937.59 | $550 | 1,078% |
| Ford Mustang Shelby GT350 | State Farm | $50,000 | $60,701.53 | $55,000 | $3,900 | $550 | 709% |
| Chevrolet Impala LS | Progressive | $12,262 | $20,902 | $19,500 | $6,513 | $725 | 898% |
| Tesla Model Y Long Range AWD | Tesla Insurance | $42,193 | $47,738.23 | $45,000 | $2,257 | $550 | 410% |
| Chevrolet Tahoe High Country 4WD | State Farm | $73,324 | $83,650 | $79,850 | $6,701.76 | $550 | 1,218% |
| Bentley Continental GT | GEICO | $149,677.74 | $173,499 | $152,500 | $2,312.26 | $550 | 420% |
| Mercedes Benz E320 | State Farm | $3,702 | $5,720 | $5,250 | $998 | $550 | 182% |
| Toyota Camry XSE Hybrid | GEICO | $23,465 | $28,065.12 | $26,804.92 | $2,789.92 | $550 | 507% |
| Chevrolet Corvette Z51 2LT | State Farm | $43,193 | $46,088.75 | $46,088.75 | $2,345.75 | $550 | 426% |
| Tesla Model X AWD | State Farm | $50,327.80 | $59,089 | $59,089 | $8,211.20 | $550 | 1,493% |
| Tesla Model Y Long Range AWD | Travelers | $33,458 | $40,810.50 | $37,500 | $3,492 | $550 | 635% |
| Audi S4 Manual 8Cyl | Travelers | $7,699 | $16,298.02 | $16,200 | $7,951 | $550 | 1,445% |
| Tesla Model 3 Long Range AWD | GEICO | $17,319 | $26,707.12 | $22,500 | $4,631 | $550 | 842% |
| Cadillac SRX Luxury SUV | Allstate | $7,561 | $12,445.98 | $10,000 | $1,889 | $550 | 343% |
| Nissan Frontier PRO-4X Crew Cab | Liberty Mutual | $33,410 | $42,146 | $38,000 | $4,040 | $550 | 735% |
| Mercedes Benz SL550 Convertible | State Farm | $10,407.50 | $21,411.45 | $21,411 | $10,453.50 | $550 | 1,901% |
| Tesla Model Y Long Range AWD | State Farm | $32,589 | $40,210.56 | $36,000 | $2,861 | $550 | 520% |
| GMC Sierra 1500 Denali Crew Cab | State Farm | $1,400 | $18,373.50 | $18,373.50 | $16,698.50 | $275 | 6,066% |
| Lucid Air Touring AWD | Progressive | $52,711.48 | $60,599.60 | $55,500 | $9,088.52 | $550 | 1,651% |
| Tesla Model Y Performance AWD | American Family | $37,499 | $46,151.67 | $46,151 | $8,102 | $550 | 1,473% |
| Custom Hummer H3 Luxury 4WD | Progressive | $4,918.41 | $13,519.33 | $10,750 | $5,500 | $800 | 688% |
| Tesla Model S75 | Tesla Insurance | $13,200 | $20,037.78 | $17,500 | $3,750 | $550 | 682% |
| Subaru Crosstrek Limited SUV | Safeco | $24,537 | $27,000 | $27,000 | $1,913 | $550 | 348% |
| Chevrolet Silverado 1500 LTD | Progressive | $26,379.43 | $31,106.25 | $29,200 | $2,820.57 | $550 | 513% |
| Toyota Tacoma TRD Sport 2WD | Progressive | $25,603 | $29,397.90 | $27,500 | $1,347 | $550 | 245% |
| Land Rover Range Rover Sport HSE 4WD | Auto Owners | $9,492 | $16,804.98 | $16,000 | $5,957 | $550 | 1,083% |
| BMW M3 Coupe | State Farm | $19,121 | $26,874.10 | $22,500 | $2,829 | $550 | 514% |
| BMW X1 xDrive28i AWD | GEICO | $12,749.63 | $19,186.96 | $16,000 | $3,250.37 | $550 | 591% |