A total-loss value is built from comparable vehicles, so the choice of comparables drives the result: same trim, similar mileage, nearby, with adjustments that add up. Here is what to check, how to find your own, and a free check of the ones in your report.
Search listing sites for the same year, make and model within about 100 miles of your ZIP code, note the price, mileage, trim and date, and save the listing (a screenshot or PDF) — listings disappear quickly.
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.
Generally the same year, make, model and trim, similar mileage and equipment, and a location in your local market. The report should explain any adjustment it applies for differences.
Yes — you can send listings of similar vehicles for sale near you with your questions. The full report shows current listings of the same vehicle near your ZIP code and pre-filled searches on major listing sites.
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.