What Is a Total Loss?
When the cost to repair your vehicle exceeds a certain percentage of its value, insurance companies typically declare it a total loss. They’ll offer a settlement based on what they believe the car is worth—often at the lower end of the scale.
Why You Shouldn’t Accept the First Offer
Initial total loss settlements are frequently undervalued. Insurance companies use internal systems and limited market data that may not reflect the true retail value of your car in your area. If their valuation doesn’t seem right, it probably isn’t.
How a Total Loss Appraisal Can Help
A certified third-party appraisal can give you a detailed market-based report showing what your vehicle was truly worth before the accident. This document can be used to dispute the insurer’s offer and negotiate a higher settlement.
You Have the Right to a Fair Payout
At Loss Values Auto Appraisals, we work for you—not the insurance company. Our total loss reports are trusted, unbiased, and built to help you protect your financial interests.
