Total Loss

Your Vehicle Was Totaled.
The Offer May Not Be Fair.

Get an independent valuation report backed by comparable vehicle research and current market data, so you have documentation you can use to challenge a low settlement offer.

UNDERSTANDING TOTAL LOSS

A Total Loss Offer Is a Starting Point, Not a Final Number

When an insurer declares your vehicle a total loss, they calculate what they believe it was worth just before the accident. That figure is often built on limited comparable vehicles and standardized condition adjustments, and it can fall short of what your vehicle would actually sell for in your local market.

Line-by-Line Breakdown

Real labor times, OEM procedures, and parts pricing

Paint & Materials

Complete calculations used in actual insurance claims

Industry Standard

Same methodology as CCC ONE, Mitchell & Audatex
Our estimates follow the same methodology as CCC ONE, Mitchell, and Audatex — meaning customers receive true insurance-grade documentation, not a rough estimate or automated guess.

WHEN IT HELPS

Situations Where an Independent Valuation Makes a Difference

A valuation report is most useful when there is a gap between what the insurer offered and what your vehicle was actually worth. These are the situations where independent research tends to matter most.

Offer Below Market

The settlement offer is lower than what comparable vehicles are selling for in your area.

Questionable Comparables

The vehicles used to value yours differ in trim, mileage, or condition in ways that affect the result.

Condition Graded Too Low

Your vehicle was in better condition than the valuation reflects, or recent work was not accounted for.

Missing Options and Packages

Factory packages, trim upgrades, or added equipment were left out of the valuation.

Mileage Adjustment Disputes

The mileage adjustment applied to your vehicle does not reflect its actual reading at the time of loss.

Appraisal Clause Invoked

Your policy's appraisal clause is in play and you need independent documentation to support your position.

HOW VALUATIONS FALL SHORT

Where Total Loss Valuations Commonly Go Wrong

Insurer valuations are produced quickly and at volume. The four areas below are where errors and conservative assumptions most often reduce the final figure.

Comparable Selection

The vehicles chosen for comparison may come from a wider geographic area or differ in trim and equipment, which pulls the resulting value away from your local market.

Condition Adjustments

Standardized condition deductions are applied without a physical inspection, so a well-maintained vehicle can be graded the same as an average one.

Regional Market Data

Local demand affects what a vehicle actually sells for. Valuations that lean on broad regional averages can miss what your market supports.

Prior Damage Deductions

Previous accident or damage history can trigger deductions that are larger than the effect that history has on real world resale.

WHAT YOU RECEIVE

A Total Loss Valuation Report Built on Real Market Data

Your report documents the fair market value of your vehicle before the loss, supported by comparable vehicle research and clear reasoning you can present to your insurer.

No Bias

We do not work for insurance companies

Faster Than Adjusters

No waiting weeks for an insurance inspector

No Shop Visit Required

Get your estimate from anywhere

Professional PDF

Accurate documentation ready for shops & carriers

Delivered in Hours

Not days or weeks — hours

Real Experts

Backed by actual collision repair professionals

TOTAL LOSS VALUATION

Was Your Vehicle Undervalued?

Upload your insurer’s valuation report and receive an independent, professionally prepared report backed by fair market research and comparable vehicles.

01

Upload Your Report

Provide the valuation report supplied by your insurance company.

02

We Research the Market

We review comparable vehicles and current fair-market data.

03

Receive Your Valuation

Receive a professionally prepared PDF report within 24–48 hours.

No Bias

We do not work for insurance companies

Faster Than Adjusters

No waiting weeks for an insurance inspector

No Shop Visit Required

Get your estimate from anywhere

Professional PDF

Accurate documentation ready for shops & carriers

Delivered in Hours

Not days or weeks — hours

Real Experts

Backed by actual collision repair professionals

CLEAR ONE-TIME PRICING

Professional Total Loss Valuation Reporting

Get an independent, market-based valuation report for one clear fixed price, with no subscriptions or recurring fees.

WHICH REPORT DO I NEED?

Total Loss or Diminished Value?

These two reports cover different situations. A total loss valuation applies when your insurer has declared the vehicle a total loss and is settling for its value. A diminished value report applies when your vehicle was repaired and returned to you, but is worth less than it was before the accident because of its accident history.
Diminished value does not apply to a totaled vehicle, because the settlement is already based on the vehicle’s full pre-accident market value. If your vehicle was repaired rather than totaled, the diminished value report is the one you need.

Customer Reviews

What Our Customers Say

“The report clearly explained how the accident affected my vehicle’s market value and gave me organized documentation to review with my insurance company.”

James Turner Client

“The entire process was handled online, and the completed PDF was detailed, easy to understand, and supported by relevant market research.”

Emma Collins Client

Faq

Common Questions About Total Loss

Quick answers about total loss valuations, required documents, and how the report is used.
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.

Still have questions?

Our support team is here to help. Get in touch and we’ll respond as soon as possible.