Is your total loss offer fair?

Upload your insurer’s total-loss valuation report (CCC ONE, Mitchell or Audatex) for a free check in about a minute: we list potential discrepancies in the comparables, adjustments, taxes and fees. Full review report $79 — every figure, current listings of your vehicle near you, and a letter you edit and send yourself; 7-day refund.

Free check in ~1 minuteFull report $79CCC · Mitchell · Audatex7-day refundFiles deleted in 72 h

Free check of your valuation report

Your state ZIP code (for local listing searches)

Drop the valuation report here
PDF, or photos of every page (JPG/PNG) · up to 10 files · 25 MB

The report stays private: files are deleted within 72 hours and never used to train models. Tip: it’s the multi-page document titled “Market Valuation Report” (CCC), “Total Loss Valuation” (Mitchell) or “Autosource” (Audatex).

Your free check will appear here — usually within a minute.

What the check looks for

Comparable arithmetic — whether each comparable’s listed adjustments add up to its adjusted value.
Summary math — whether base value, condition and other adjustments reconcile to the adjusted vehicle value.
Mileage adjustments — comparables with more miles than your vehicle but no upward mileage adjustment.
Price-reduction adjustments — projected sold / typical negotiation / take-price reductions applied to comparables.
Condition deductions — per-component condition ratings that lowered your vehicle’s value.
Few or scattered comparables — fewer than three, or values that vary widely.
Base value vs. comparables — a base value below every comparable’s adjusted value.
Vehicle details — year, make, drive type and engine in the report compared with a decode of your VIN.
Taxes & fees — whether sales tax, title and registration appear in the settlement.
Local listings (full report) — current asking prices for the same year, make, model and trim within 100 miles of your ZIP code, compared with your report’s value.
Equipment (full report) — the options your report lists, with a checklist to add anything that was missing.

How it works

Upload the valuation report

The PDF or photos of the report your insurer sent. We read the values, comparables and adjustments.

See the free check

Vehicle, values and the list of potential discrepancies — in about a minute.

Get the full report — $79

Every detail, the comparables table, current local listings of your vehicle, and an editable letter you send yourself.

Where the full report is available

Full report: New York, Georgia, Maryland, Missouri, Louisiana, Kansas, New Hampshire, Rhode Island. The free check works in every state. More about availability.

New YorkTotal loss claim in New York GeorgiaTotal loss claim in Georgia MarylandTotal loss claim in Maryland MissouriTotal loss claim in Missouri LouisianaTotal loss claim in Louisiana KansasTotal loss claim in Kansas New HampshireTotal loss claim in New Hampshire Rhode IslandTotal loss claim in Rhode Island

Your insurer’s valuation report

ProgressiveMitchell report — what to check State FarmCCC ONE report — what to check GEICOCCC ONE report — what to check AllstateCCC ONE report — what to check USAACCC ONE report — what to check Liberty MutualCCC ONE report — what to check SafecoCCC ONE report — what to check

Items in your report

Get a copy of your valuation reportWhat to ask your insurer for before you check the offer Mileage adjustmentsComparables with more miles than your car — adjusted up?Missing options & packagesEquipment your car had that the report left out Prior damage deductionsDeductions for damage before the loss — documented?Typical negotiation adjustmentThe price reduction applied to comparables Comparables far awayComparables hundreds of miles from you Base value vs. comparablesWhen the base value is below every comparable Keeping your totaled carThe owner-retained salvage deduction Aftermarket upgradesWheels, lift kits, audio — documented?Wrong trim or engineWhen the report describes a different vehicle

Guides

CCC valuation report explainedBase value, condition, comparables, taxes — section by section Mitchell total loss valuation explainedComparable cards, projected sold adjustments, condition levels Condition adjustmentsWhy condition ratings lower a total loss value and what to ask Projected sold adjustmentThe comparable price reduction, what it is and what to ask Comparable vehiclesWhat makes a comparable comparable, and finding your own Sales tax & fees in a total lossCheck whether tax, title and registration are in the total The appraisal clauseHow the policy appraisal provision generally works Audatex Autosource valuation explainedComparables, adjustments and value in an Autosource report Sample reportWhat a full report looks like Availability by stateWhere the full report is offered

Frequently asked questions

What does the free check include?

We read your insurer’s valuation report and show the vehicle, the values it lists, and a list of potential discrepancies by category — for example missing mileage adjustments, price-reduction adjustments, or condition deductions. The details, the comparables table and the draft letter are in the full report.

What does the $79 full report include?

Every finding with the exact figures from your report, what you may ask the insurer to explain, a table of the comparable vehicles and their adjustments, your vehicle’s condition deductions, current listings of the same vehicle for sale within 100 miles of your ZIP code with the median asking price, a VIN check of the vehicle details, an equipment checklist, next steps, and a first-person letter you edit, sign and send yourself.

Do you contact my insurer?

No. You decide whether to send anything. The letter is your own draft — you can edit every line, and you send it yourself.

Which reports can you read?

Insurer total-loss valuation reports from CCC (CCC ONE Market Valuation Report), Mitchell (WorkCenter Total Loss) and Audatex (Autosource). Upload the PDF, or clear photos of every page.

Is the full report available in my state?

The free check works for any state. The full report is currently available in New York, Georgia, Maryland, Missouri, Louisiana, Kansas, New Hampshire and Rhode Island; more states are being added.

What if the check finds nothing?

Then we tell you so. Some valuations have no obvious discrepancies, and you may not need the full report.

What this is — and isn’t

FairTotalLoss is a self-help information tool. We are not a public adjuster, appraiser, or law firm; we do not represent you, contact your insurer, or negotiate your claim, and we do not advise on insurance coverage. Our reports describe what your valuation report shows and questions you may choose to ask; they are not an appraisal and not a substitute for advice from a licensed public adjuster or attorney. Fixed price, unrelated to any settlement outcome.