Get the TRUE VALUE

Not the Insurer’s Estimate

Most total loss reports are wrong. We rebuild yours from real market data — so you get what your car is actually worth

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Why Most Total Loss Offers Are Wrong

  • Insurers use automated CCC or Mitchell reports — not real market prices.
  • These systems value convenience over accuracy.
  • The result: underpaid claims, missing adjustments, and thousands left on the table.

You’re not supposed to know how this works — it’s your first total loss, not theirs. Insurance companies do this every day. They know the shortcuts, the scripts, and the data tricks that make their numbers look right. We know them too — and we use the same data to prove what your car is actually worth.

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

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KEY BENEFITS

Our service offers comprehensive support for total loss claims, ensuring you receive the compensation you deserve.

Valuation Report

We reconstruct your file using certified appraisal methods and verified market listings — not canned software output.

Expert Negotiation

We review low offers and help you prepare all insurer communications until you can pursue a fair outcome.

Dedicated Support

You’ll have one or more appraisers and analyst assigned to your case — not a bot or a call center.

recent Success

We are a team of professionals who are passionate about what we do.

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.
$3,800 Increase After Highway Collision
$3,800 Increase After Highway Collision
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.
$8,300 Added After Missing Features Discovered
$8,300 Added After Missing Features Discovered
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.
$6,000 Adjustment for Non-English-Speaking Client
$6,000 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 $5,100.
$5,100 Increase After Delayed Claim Review
$5,100 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 $4,600.
$4,600 Revision After “Final Offer”
$4,600 Revision After “Final Offer”
2023 high-end SUV was priced using old regional comps. After our reappraisal with verified listings, the payout increased by $9,200.
$9,200 Adjustment from Outdated Market Comparables
$9,200 Adjustment from Outdated Market Comparables

TRANSFORM YOUR BUSINESS

Join the leaders for cutting-edge solutions.

Your first offer isn’t always your best offer.
Before signing anything, let us take a quick look — it’s free, and it might put a few thousand dollars back in
your pocket

FREE CLAIM REVIEW

Our Customers Say

Our clients are thrilled with their car insurance claim experience! They appreciate our fast response, clear communication, and hassle-free claim assistance from start to finish.

Tesla Insurance ignored me for weeks after my total loss. I knew the ACV number was low, but no one would even reply. Once Elvis stepped in, everything changed — within a week he got me an extra $3,000 on my payout. Couldn’t recommend Total Gain more.
– 2024 Tesla Model Y | Roberto.J
Entrepreneur​
“Erika handled my total loss with so much patience. She explained every step clearly and fought hard for me. Thanks to her, I recovered an extra $4,800 on my claim. Total Gain really knows how to get results.”
– 2023 Mercedes-Benz C300 | Chuck Jon. E
Business Owner
“My brand-new G-Wagon had only 700 miles when it got rear-ended on the highway. I thought I’d never recover that lost value — but Total Gain got me a $20,000 diminished value settlement. Absolutely incredible.”
– 2025 Mercedes G-Wagon | Yangying.Z
Computer Enginner
“Elvis was amazing. He handled everything with Geico for almost three months.FinallyI received $6,800 in diminished value compensation. Worth every minute.”
– 2025 BMW X3 | Kim. S
Designer​

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.

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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.

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).

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.

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