Your Customer's Right to Appraisal Is Your Competitive Advantage
A prepaid total loss appraisal service sold at the F&I desk. When insurance companies lowball your customers, our expert appraisers fight for maximum value — protecting your portfolio and preventing unjust enrichment.
Designed for Leading Auto Finance Companies
Insurance Companies Underpay Total Loss Claims. Your Lenders Pay the Price.
When a vehicle is declared a total loss, the insurance company determines the Actual Cash Value (ACV). Most consumers accept the first offer without question — even when it is thousands of dollars below fair market value. The result is a deficiency balance that falls on the finance company, the GAP provider, or the consumer.
Unjust Enrichment
Insurance carriers profit from lowball ACV offers while finance companies absorb the deficiency balance. The consumer is caught in the middle.
Increased GAP Exposure
Every dollar left on the table in the ACV settlement is a dollar added to the GAP claim. Lower ACV = higher GAP payout = worse loss ratios.
Consumer Vulnerability
The average consumer does not know they have a contractual Right to Appraisal in their insurance policy. They accept the first offer and move on.
RTA Advantage
A prepaid total loss appraisal service sold at the F&I desk — standalone or bundled with GAP. For just $99 at the point of vehicle purchase, the customer secures access to a qualified, independent appraiser who will fight for the maximum ACV if a total loss ever occurs.
How RTA Advantage Works
Enrollment
Customer purchases RTA Advantage at the F&I desk for $99. Sold standalone or bundled with GAP coverage.
Total Loss Event
If the vehicle is declared a total loss, the customer contacts their finance company to activate the service.
Customer Invocation
The customer signs a document invoking their Right to Appraisal and notifies their insurance adjuster.
Expert Advocacy
Our appraiser determines the true ACV using comparable market data and negotiates with the insurer's appraiser.
The Numbers Speak for Themselves
Professional appraisal advocacy consistently delivers measurable results, increasing ACV settlements and reducing downstream financial exposure for all stakeholders.
Total Loss Scenario Comparison
| Scenario | Without RTA Advantage | With RTA Advantage |
|---|---|---|
| Outstanding Loan Balance | $25,000 | $25,000 |
| Insurance ACV Offer | $18,000 | $18,000 |
| Appraiser's Negotiated ACV | N/A | $22,500 |
| GAP Deficiency | $7,000 | $2,500 |
| GAP Payout Required | $7,000 | $2,500 |
| Lender/GAP Savings | $0 | $4,500 |
Bundle With GAP. Reduce Claim Severity.
Every dollar our appraisers recover in the ACV settlement is a dollar subtracted from your GAP claim. RTA Advantage is the only F&I product specifically designed to reduce GAP loss ratios.
Lower Loss Ratios
Average $4,500 reduction in GAP claim severity per total loss event.
Seamless Integration
Bundle directly with your existing GAP product. We handle all administration.
Competitive Differentiation
Offer dealers a GAP product with built-in appraisal advocacy. No one else does this.
Built for the Auto Finance Ecosystem
Auto Lenders
Reduce deficiency balances and collection costs by ensuring customers receive fair ACV settlements.
Protect your portfolioGAP Providers
Lower claim severity and improve loss ratios by bundling RTA Advantage with your GAP product.
Reduce claim payoutsF&I Departments
Add a high-value, low-cost product to your menu that genuinely protects the customer and the deal.
Increase per-deal profitDealerships
Differentiate your F&I offering and reduce chargebacks with a product that delivers real value.
Strengthen CSI scoresLeadership
A Lifetime of Advocacy for Fair Valuation
Jason Farbiarz is the Founder and CEO of RTA Financial Services LLC. A licensed attorney, public adjuster, and certified appraiser, Jason brings a unique combination of legal expertise and hands-on appraisal experience to the auto finance industry.
As President of National Appraisers LLC, Jason has built a nationwide network of qualified appraisers who specialize in total loss vehicle valuations. His deep understanding of the appraisal clause process, insurance company negotiation tactics, and ACV determination methodology led him to create RTA Advantage — a product designed to protect both consumers and the finance companies that serve them.
"Every vehicle owner has the right to a fair appraisal. RTA Advantage ensures that right is exercised — protecting the consumer, the lender, and the integrity of the auto finance ecosystem."
Common Questions from Partners
Ready to Partner?
Whether you are a lender, GAP provider, or dealer group, we would like to show you how RTA Advantage can strengthen your portfolio and reduce your exposure. Schedule a partnership review today.