It is an independent report documenting the fair market value of your vehicle immediately before the accident. When an insurer declares a vehicle a total loss, the settlement is based on their calculation of that value. Our report establishes that figure independently, using comparable vehicle research and current market data, so you have your own documentation to work from.

We start with your vehicle's specific details, including year, make, model, trim level, mileage, options and packages, and condition at the time of loss. We then research comparable vehicles in the market to establish what a vehicle like yours would realistically sell for. Every adjustment and source is documented in the report so the figure can be reviewed line by line.

At minimum we need your vehicle details and the date of loss. The report is stronger when you also provide the valuation report issued by your insurance company, photos of the vehicle, service and maintenance records, and documentation of any options, packages, or recent work. If you do not have all of these, we will let you know what is needed.

No. Diminished value applies to vehicles that were repaired and returned to you, where the accident history reduces what the vehicle is now worth. When a vehicle is declared a total loss, the settlement is already based on its full pre-accident market value, so there is no separate diminished value claim. If your vehicle was repaired rather than totaled, our diminished value report is the one that applies.

No. The report provides independent market research and organized documentation to support your position. Any decision about your settlement rests with your insurance company. What the report does is give you a clear, professionally prepared basis for the conversation.