A clearer understanding
of your loss.
A total loss offer usually starts with actual cash value: an estimate of what your vehicle was worth immediately before the loss, subject to your policy and applicable law. Whether that estimate is accurate is a separate question — and it is the one worth answering first.
Start with the valuation report
Ask for the full valuation report, not just the final number. It shows which vehicles and adjustments were used to reach the figure — and small detail errors can move the result.
- Year, trim level and drivetrain match your vehicle
- Factory options and equipment are listed correctly
- Reported mileage and condition ratings match reality
- Prior damage and cosmetic issues are described accurately
Compare like with like
A valuation is only as strong as the vehicles behind it. Comparable vehicles should reasonably reflect your vehicle, in a market where it could realistically have been sold.
- Same model, trim and drivetrain wherever possible
- Mileage close enough to support a fair adjustment
- A geographic market that fits how your vehicle would sell
- Asking prices treated as evidence, not proof of a sale price
Understand the adjustments
Every deduction should have an explainable basis. Ask what each adjustment represents, how it was calculated, and what evidence supports it.
- Condition deductions tied to a stated rating standard
- Mileage adjustments supported by market data
- Documented maintenance and recent work taken into account
- Options valued as the market values them, not added dollar-for-dollar
Review your dispute options
If the numbers do not hold up, your policy may set out a next step. Some policies include an appraisal clause for valuation disputes; its availability, procedure and cost depend on your policy and jurisdiction.
- Read the relevant policy language before you accept or decline
- An independent appraisal may help you assess the offer
- A written, factual response works better than a general objection
- A higher settlement is never guaranteed
This information is general, not legal advice. Availability of services and claim assistance depends on applicable law and authorization. A valuation is professional evidence, not a guaranteed recovery.