Comparable vehicles are meant to reflect your local market. When a report uses cars listed far away while similar cars are for sale nearby, you can ask why. Here is what to check; the full report shows current listings of your vehicle within 100 miles of your ZIP code with the median asking price.
Search listing sites for the same year, make, model and trim within about 100 miles and save each listing — they disappear quickly. The full report does this for you with current listings near your ZIP code and the median asking price compared with your report's value.
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 →Your free check will appear here — usually within a minute.
Rules and practices vary by state and by insurer. Check the distance of each comparable in your report and ask what search area was used.
No — listings show asking prices. They are still useful for asking whether your report reflects your local market.
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.