Before accepting an offer, ask for the full valuation report and check whether the insurer has accurately described your vehicle. A low number is not always an error, but an inaccurate report can materially affect the settlement.
Five things to check
- VIN, year, make, model, trim, and drivetrain
- Mileage and equipment
- Condition ratings and deductions
- Comparable vehicles and their actual configurations
- Adjustments for mileage, condition, and options
What to send for a review
Send the insurer valuation report, claim number, vehicle details, photos, and any relevant service or equipment records. We can explain which evidence matters and whether a formal appraisal may be appropriate.
Have a total loss offer you want reviewed? Request a free claim review.