Total Loss Valuation Dispute
Review an insurer’s total-loss offer against the vehicle you owned and the market evidence available on the date of loss.
What This Appraisal Addresses
A total-loss valuation dispute focuses on the vehicle’s actual cash value immediately before the loss. The appraisal checks the insurer’s report for specification errors, missing equipment, condition adjustments, mileage differences, and unsuitable comparable vehicles, then explains an independent value conclusion.
Evidence Considered
- Correct year, model, trim, mileage, and factory equipment
- Documented pre-loss condition and maintenance
- Comparable vehicles from the relevant market
- The insurer’s adjustments and supporting methodology
What To Send First
- The insurer’s complete valuation report, including comparables
- The offer letter and relevant claim correspondence
- Vehicle year, make, model, VIN, and mileage
- Current and pre-loss photographs when available
- Relevant reports, invoices, receipts, and correspondence
Do not delay a policy or legal deadline while gathering documents. ProValue provides valuation services and does not give legal or tax advice.
Questions About Total Loss Valuation Dispute
What Should I Request From The Insurer?
Ask for the complete valuation report, including every comparable vehicle and adjustment. The final offer alone does not show how the value was calculated.
Does An Appraisal Guarantee A Higher Settlement?
No. An appraisal documents value. The result depends on the facts, policy language, applicable law, and how the evidence is evaluated.