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Total-loss offer check · free

Check your total-loss offer, line by line.

Enter the numbers from the valuation report your insurer sent. We check every deduction and comparable against your state's rules and show you what may be missing, in dollars. About five minutes. No account.

  1. 1. Report

  2. 2. Confirm numbers

  3. 3. A few questions

  4. 4. Results

Type in the numbers from your report

Automatic report reading is switched off for now. Entering the numbers by hand takes about five minutes and gives the same check: base value, each comparable, condition and every adjustment.

Is my total loss offer too low?

It may be. Most insurers price a totaled car with software from CCC, Mitchell or Audatex. The software starts from comparable cars for sale near you, adjusts each one, and averages them. The money is usually in a few lines: a negotiation cut on every comparable (Mitchell calls it a projected sold adjustment, Audatex a typical negotiation adjustment), a condition rating nobody photographed, comparables of another trim or from far away, and sales tax or fees your state says you are owed. The check runs 44 fixed rules on your numbers and shows each gap in dollars. It is a line-by-line check of the insurer's math, not an appraisal.

What a CCC, Mitchell or Audatex report includes

A full report is many pages, not the one-page offer letter. A CCC report, for example, has a summary with tax, fees and the deductible, a valuation method, your car's details and condition ratings, the comparable vehicles with every adjustment in dollars, and valuation notes. Pages are numbered "Page N of M", so you can see if any are missing. Our CCC valuation report guide walks through each section.

What happens after the check

You see every finding, its dollar range and the rule behind it, free. If the gap is worth disputing, the Total Loss Dispute Kit ($49, not on sale yet) will write a rebuttal letter from your own numbers for you to edit and send. If the insurer will not move, the appraisal clause on your own policy or a complaint to your state Department of Insurance can come next. Our guide on how to dispute a total loss valuation covers each step. We never contact your insurer for you.

Questions about the check

Is a total-loss offer negotiable?

Yes. The offer is the insurer’s opinion of your car’s value, not a final decision. You can reject it in writing, ask for the complete valuation report, challenge specific lines and send your own evidence. Until you sign a release or cash a settlement check marked final, the amount is still open.

How do I get the full valuation report?

Ask your adjuster in writing for the complete report, with every comparable, every adjustment and the settlement page. Insurers that use CCC, Mitchell or Audatex can send it as a PDF. In some states it is a right. Washington requires a copy on request. In Florida, on a claim under your own policy, an insurer that values the car with a database must give you its valuation documents on request.

What does the check cost?

Nothing. The check is free and needs no account. The full Total Loss Dispute Kit will be a one-time $49 with a 30-day refund. It is not on sale yet; you can join the list from your results. We never take a share of your settlement.

Does it work in my state?

Yes, in all 50 states and DC. The sales tax, fee and valuation checks use your state’s rules, with the source cited. Where our research could not confirm a rule, your state page says so. State rules were last reviewed November 4, 2026.

Total loss rules in your state

Sales tax and fees, valuation rules, claim deadlines and where to complain, with sources. Or compare them all on the state rules table.