When a vehicle is totaled, the insurer decides its actual cash value (ACV) — and that first number is almost always low. We build the market-backed valuation that forces a fair settlement.
A vehicle is typically declared a total loss when the cost of repairs exceeds roughly 65–80% of its pre-loss value. At that point the insurer stops paying for repairs and instead offers you the vehicle's actual cash value.
ACV is the vehicle's market value the moment before the loss — based on make, model, year, mileage, condition, options, and upgrades. Insurers lean on valuation tools that routinely undervalue clean, well-optioned, or low-mileage vehicles.
You have the right to challenge a total-loss offer. But convincing an adjuster takes industry knowledge and documented evidence — not a phone argument. If our free claim review shows you were low-balled, our total-loss valuation report gives you the leverage to settle for what the vehicle was truly worth.
Most aren't. Send us the offer — we'll tell you what your vehicle was actually worth.