A projected sold adjustment reduces each comparable vehicle’s list price toward an expected sale price, which lowers your total-loss value. Here is what it is, what you can ask your insurer, and a free check that totals it in your report.
Valuation reports often reduce a comparable vehicle’s list price toward an expected selling price. It appears under names such as Projected Sold Adjustment (Mitchell), a negotiation or typical-negotiation adjustment, or a take-price adjustment. Each reduction lowers the comparable’s adjusted value — and therefore your vehicle’s value.
Class actions over price-reduction and condition adjustments reached several federal courts of appeals in 2025–2026 (for example the Third, Fourth, Seventh and Ninth Circuits for projected sold adjustments). Those decisions mainly concerned class certification — whether owners could sue as a group — rather than a ruling on the adjustment itself.
Upload the valuation report your insurer sent you. In about a minute you see which items may not add up — free. The full review report with a draft letter you edit and send yourself is $79.
Check my report →Rules on valuation methods differ by state and by policy. Several class actions have challenged this type of adjustment; in 2025–2026 the federal appeals courts that addressed these cases mostly decided whether they could proceed as class actions, not whether the adjustment itself is proper. You can ask your insurer how it was calculated.
It varies. In one public-record Mitchell report we examined, reductions of about $680–$740 were applied to five comparables. Your report shows the exact amounts.
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.