Can a lienholder dispute an insurer’s valuation of a totaled car?
In a decision issued on March 14, 2025, the Arizona Court of Appeals reversed a lower court’s ruling in favor of Date Street Capital, LLC, a lienholder and loss payee on the policy. The court held that Date Street, while entitled to receive insurance proceeds as specified in the policy, has no contractual right to demand a third-party appraisal to contest the valuation of the loss.