Leave the call with documents, dates, and names.

Questions about the report

1. Will you send me the complete valuation report, including comparable, condition, adjustment, and methodology pages?
2. What is the report date and version number?
3. Which company or valuation product produced the report?
4. Who entered or confirmed my vehicle's trim, drivetrain, options, mileage, and condition?
5. What documents should I send if any of those facts are wrong?

Questions about comparables and adjustments

6. How were the comparable vehicles selected?
7. Can you provide the source listing, VIN, dealer, location, and capture date for each one?
8. What happens if a dealer confirms that a comparable has the wrong trim, mileage, or availability?
9. What baseline and observations support the condition adjustment?
10. How were mileage, equipment, and other adjustments calculated?

Questions about the payment

11. What is the vehicle value before taxes, fees, deductible, lien payoff, salvage, and prior payments?
12. Which taxes and fees were included or excluded, and why?
13. Which deductible applies?
14. Will any payment go to the lender, and what payoff amount did you use?
15. If I keep the vehicle, what salvage amount will be deducted and what title steps apply?

Questions about timing and next steps

16. When does rental coverage end under this claim and policy?
17. What is your process for reviewing corrected vehicle facts or additional comparable evidence?
18. Who reviews the file if we still disagree after a revised valuation?
19. Does the applicable policy include an appraisal provision, and can you send that language?
20. When should I expect a written response, and is there any claim-specific deadline I should know about?

Use a simple call note

After the call, send a short email confirming the documents and dates. If something was misunderstood, the adjuster can correct the record. Keep the note with the rest of the claim file.

What to do with the answers

If the problem is in the report, use the valuation audit. If you have supported corrections, put them in the counteroffer format. If the disagreement is about value after corrections, review whether an independent appraisal is worth the cost.