If your insurance company has declared your vehicle a total loss and its valuation seems low, an independent appraisal can help you understand whether the offer reflects the vehicle you actually owned. Total Loss Northwest works for vehicle owners, not insurance companies.
When to request an independent total loss appraisal
- Your insurer used the wrong trim, drivetrain, engine, equipment, or mileage.
- Comparable vehicles do not match your vehicle or are not supported by the local market.
- Condition deductions or prior-damage adjustments are unsupported.
- You disagree with the actual cash value offered under your own policy.
How we review a total loss valuation
We review the carrier valuation report, confirm the vehicle configuration and documented condition, evaluate comparable vehicles and applicable adjustments, and explain where the available evidence supports a different value. We may use market listings, vehicle history, and established appraisal resources as appropriate to the claim.
The appraisal clause
Many first-party auto policies contain a process for resolving a dispute over the amount of loss. Whether it applies depends on the policy and jurisdiction. Learn how the appraisal clause works.
Where we work
Washington is our primary service area, including Seattle, Tacoma, Bellevue, Spokane, and Vancouver. We also assist eligible vehicle owners in Oregon and Idaho.
Have a total loss offer you want reviewed? Request a free claim review.