How to challenge a total loss offer that seems too low
Advice from an independent vehicle appraiser
You should be able to follow how your insurer arrived at a total loss offer. Ask for the whole valuation report along with the final figure. The report lists the facts about your car and the comparable vehicles behind the number. A dispute is easier to settle when you point to a specific mistake instead of saying the offer feels too low. [1, 2]
Make sure the report describes your car correctly
Look over the model year, trim, mileage, options, condition and any earlier damage the report lists. Collect service records and photos that back up any correction you request. Be honest with yourself about wear the car had before the crash. Ask how the insurer handled taxes, title and transfer fees where you live. Rules from another state may not apply to you, so don’t assume they do. [1, 2]
Line up cars that match yours
Find vehicles close to yours in year, trim, mileage and condition, in a market that fits your situation. A listing price is different from a finished sale. Still, a comparable car you can document may help open the conversation. Send the insurer a short list of the specific differences, with records to support them. Ask for a written reply to each correction. [1, 2]
If you still can't agree
Read your policy to see whether it has an appraisal clause. Then look up the dispute process your state insurance regulator uses. The appraisal option in your own policy may not cover a claim against another driver’s insurer. Before you hire an appraiser, ask what it will cost and what the work will cover. Keep a log of every offer and deadline. [1, 2]
What to ask the adjuster
- Can I get the complete valuation report?
- What adjustments did you make for condition and options?
- How does the review or appraisal process work for this claim?
Begin with mileage, trim and options
Before anything else, compare the mileage, trim and options in the report with your own car. [1]
Sources and further reading
- 1Washington insurance commissioner, total loss valuation
- 2Texas Department of Insurance, resolving auto claim disputes
This article is general education from a vehicle appraisal view. Valuation rules and ways to dispute an offer vary by location and policy. They also depend on whether your claim is with your own insurer.
Keep learning
Safe Driving Resource Center
Guides, self-checks and articles for drivers, parents of new drivers, and families recovering after a crash.
