After suing Clippinger, State Farm introduced appraisal clauses in insurance policies, which allow either party to seek a binding independent appraisal if they cannot agree on payment. Three appraisers presented three different numbers. State Farm’s appraisal came in at $14,432 – actually less than the original payment. Clippinger’s appraiser said $17,756.69. The neutral third appraiser came in at $18,476.13. Clippinger’s appraiser eventually came around to the third appraiser’s figure, and both issued a written decision valuing the van at $18,476. Under the terms of the policy, that number was binding. State Farm paid Clippinger more than $4,000 in addition to the amount he already received.
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