Published 2026-09-10
Start With The Vehicle Description
Confirm the VIN, year, make, model, trim, mileage, drivetrain, factory packages, and optional equipment. A valuation that begins with the wrong vehicle configuration can produce misleading comparisons.
Review Every Comparable Vehicle
Look at location, trim, mileage, equipment, condition, listing date, and whether the comparable was available near the loss date. Ask how each difference was adjusted.
Gather Your Own Records
Pre-loss photographs, maintenance history, receipts, window stickers, and the complete insurer report help an appraiser identify specific issues. Keep claim deadlines in mind while collecting documents.
Keep Deadlines In Mind: This guide is general information, not legal or tax advice. Confirm requirements that apply to your situation.