---
title: "Use your insurance policy's appraisal clause · Lenexa Learn"
description: "A car insurer offered only $5,000 because of depreciation. The owner fed the policy to AI, learned about the appraisal clause, used it, and got $6,500 more."
url: https://www.lenexa.ai/learn/use-cases/use-your-insurance-policy-s-appraisal-clause/
site: "Lenexa Learn"
---

Money & Bills

# Use your insurance policy's appraisal clause

A car insurer offered only $5,000 because of depreciation. The owner fed the policy to AI, learned about the appraisal clause, used it, and got $6,500 more.

**Caution.** Not legal advice; your state insurance department can help.

## Steps

1. Get a copy of the full policy.
2. Ask which clauses apply.
3. Send your dispute in writing.

## Prompt you can copy

```
Here's my insurance policy: [paste]. My claim was [situation]. What clauses could help me dispute the offer, and what steps should I take?
```

## Tools

- ChatGPT

For Individuals. Added October 12, 2026.

## Source

[hn](https://news.ycombinator.com/item?id=48528892) · June 2026

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