Total loss appraisal help in every state.

Insurance companies use the same playbook everywhere: automated software, aggressive adjustments, and a low first offer. We check whether that offer reflects your vehicle's real replacement value, no matter which state you're in.

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Remote service nationwide. Free review responses arrive within two business days; paid vehicle value reports are delivered within 48 hours.

Every state has its own total loss rules

Total loss thresholds, appraisal clause rights, and claim deadlines vary by state. Your state's laws shape the dispute, and our reports are built to work within them.

Total loss thresholds vary

Some states declare a total loss at 60% of actual cash value. Others wait until repair costs hit 100%. Several states use a formula that factors in salvage value. The threshold affects how much is at stake in your settlement.

Appraisal clause rights differ

A few states (like Texas and Washington) mandate an appraisal clause in every auto policy. In most states, the clause depends on your policy language. Either way, an independent appraisal report is the evidence that gives the clause teeth.

Deadlines cut both ways

Most states hold insurers to deadlines for acknowledging, deciding, and paying claims. Your own deadline matters too: statutes of limitations for filing range from one to six years depending on the state and claim type.

Find your state

Select your state for local total loss laws, appraisal rights, and claim review services. Every report is built remotely from your documents and delivered in 48 hours, wherever you are.

Remote service means no office visit, anywhere

Whether you're in Miami, Los Angeles, Atlanta, or a small town, the process works the same way.

1

Send the records

Upload the insurer's offer or valuation report, VIN, photos, and any service or equipment records you have. About 10 minutes.

2

We research your local market

We review the comparison area and vehicle details using your state's rules and your local replacement market, then deliver the paid report within 48 hours.

3

You decide and communicate

You receive a clear evidence package and guidance on next steps. You make every claim decision and send every insurer communication.

Know your claim before you negotiate it

Plain-English guides to total loss and diminished value claims. No email wall, ever.

Totaled car: what to doSeven steps from lowball offer to fair payout Actual cash value (ACV)ACV vs market value, and how insurers set it Rejecting a low offerWhat happens if you don't accept, and your options Your right to appraisalHow the appraisal clause works under SB 458 Diminished value claimsRules, deadlines, and how to file

Find out, for free, if your offer is fair.

Send us your settlement offer and vehicle details. We'll tell you honestly whether it's worth challenging, at no cost and no obligation.

Get My Free Claim Review