A total-loss offer is built on a multi-page valuation report — a CCC ONE Market Valuation Report, a Mitchell total loss valuation or an Audatex Autosource report — listing comparable vehicles and every adjustment. Ask your insurer for the complete report, then upload it here for a free check in about a minute.
Look for a document titled Market Valuation Report (CCC), Total Loss Valuation (Mitchell, sometimes with J.D. Power data) or Autosource (Audatex). It is usually 10–20 pages and lists your vehicle, its equipment and condition, comparable vehicles with adjustments, and the settlement math. A one-page settlement letter is not the full report.
Some states have rules on providing valuation details — New York's regulation 11 NYCRR 216.7 is one example.
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.
No. The letter usually shows only the totals. The valuation report shows how the value was built: the comparable vehicles, the adjustments to each, and your vehicle's condition and equipment.
Yes — clear photos of every page work. Upload up to 10 files, 25 MB in total.
Ask in writing for the complete report with every comparable and adjustment. The free check needs the pages that list the comparable vehicles.
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.