Declared a Total Loss

The Valuation Is Still Reviewable.

Many total loss valuations rely on automated reports.
We independently review the data — so you can understand what your car may actually be worth.

Why Total Loss Valuations Can Be Undervalued

In many cases, these valuations can miss important factors such as:

Local market pricing

Vehicle condition and mileage accuracy

Optional features and documented upgrades

As a result, the number you’re offered may not reflect what your vehicle would actually sell for

“We fix that. By rebuilding your valuation manually, line by line.”

How We Help With
Total Loss Valuations

Free Preliminary Review

We review your total loss offer to see if the valuation makes sense. No obligation.

Independent Valuation Report

We prepare a USPAP-compliant appraisal using real market data — not automated estimates.

Negotiation Support

We help you use the appraisal to seek a fair outcome with the insurer. In many cases, this step resolves the claim.

If your policy allows and a dispute remains, we assist with the appraisal clause process

Before you accept the offer it’s worth taking a second look.

Same car. Same accident. two different numbers.

recent Success

2023 BMW X3 owner in California was rear-ended on the highway. The initial total loss offer undervalued the vehicle, but after our negotiation and review, the payout increased by $3,800.

2024 performance SUV was under-valued because the insurer’s report left out several premium trim options. Once we corrected the configuration, the client received $8,300 more than the first offer.

A client who faced a language barrier struggled to communicate with their adjuster. Our team handled the full process and secured an additional $6,000 in total loss compensation.

2022 electric sedan owner waited weeks without updates. After we organized the file and appealed the valuation, the final settlement rose by $5,100.

2023 luxury crossover owner was told the insurer’s offer was final. Our market data analysis proved otherwise, and the payout was revised upward by $4,600.

2023 high-end SUV was priced using old regional comps. After our reappraisal with verified listings, the payout increased by $9,200.

FAQs

When your car is declared a total loss, the insurer pays what it was worth right before the crash — not the repair cost. Here’s what you need to know.

WHAT IS A TOTAL LOSS CLAIM?

A total loss claim occurs when an insurance company determines that the cost to repair a vehicle exceeds its current market value. We help you navigate this process.

What does it mean when my car is “totaled”?

When your car is totaled, it means fixing it would cost more than what the car is actually worth. So instead of paying for repairs, your insurance company just pays you for your car’s market value before the crash — that’s called the Actual Cash
Value (ACV).

What happens after my car is declared a total loss?

Once they decide your car’s totaled, the insurance company figures out what your car was worth before the accident, subtracts your deductible, and sends you a check. If your car was financed or leased, that money usually goes straight to your lender first.