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, Take
A Second Look.
The first number you're shown is rarely the only number. Insurer estimates lean on automated tools — independent appraisals lean on the actual market.
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 $4,927.
$4,927 Increase After Highway Collision
Client had already accepted and signed the insurer's settlement, but came to us within 30 days. We reopened the file, demonstrated the valuation was deficient, and recovered an additional $10,815 on top of the original payout.
$10,815 Recovered After Reopening a Settled Claim
A client who faced a language barrier struggled to communicate with their adjuster. Our team handled the full process and secured an additional $7,842 in total loss compensation.
$7,842 Adjustment for Non-English-Speaking Client
2022 electric sedan owner waited weeks without updates. After we organized the file and appealed the valuation, the final settlement rose by $6,617.
$6,617 Increase After Delayed Claim Review
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 $5,963.
$5,963 Revision After “Final Offer”
Insurer flatly refused to negotiate further on a 2023 high-end SUV. We invoked the appraisal clause in the policy, brought in an independent umpire, and the binding award came back $11,948 above the carrier's final offer.
$11,948 Awarded After Invoking the Appraisal Clause
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.