A typical negotiation adjustment reduces a comparable vehicle's advertised price by an amount meant to reflect what buyers usually negotiate off. Applied to each comparable, it lowers your total-loss value. Here is what it is, how it relates to the projected sold adjustment, and what you can ask.
Valuation reports often reduce comparable vehicles from their advertised price toward an expected selling price. The name depends on the report: typical negotiation adjustment, projected sold adjustment (explained here) or a take-price adjustment. Whatever the name, each reduction lowers a comparable's adjusted value — and your vehicle's value with it.
Price-reduction adjustments of this kind have been challenged in class actions in several states. Most appellate decisions in 2025–2026 addressed whether the cases could proceed as class actions rather than whether the adjustment itself is proper.
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They serve a similar purpose — reducing a comparable's advertised price toward an expected sale price — and appear in reports under different names. Your report shows which one was applied and how much.
It varies by report and comparable. The free check adds up the reductions applied to your comparables.
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.