How to Review a Total-Loss Valuation

Start with the vehicle description, then evaluate the comparables and every adjustment.

Key points to review

1. Confirm the VIN, year, make, model, trim, drivetrain, mileage, packages, and factory options.
2. Check whether each comparable is the same trim and has similar mileage and equipment.
3. Review condition deductions and confirm that photographs or inspection notes support them.
4. Look for missing taxes, title fees, transfer fees, or other amounts required by applicable rules.
5. Save advertisements, service records, window stickers, receipts, and correspondence.

When to request professional help

Consider an independent appraisal or technical review when the value difference is meaningful, the report contains inaccurate vehicle information, the comparables are poorly matched, or the claim involves policy or jurisdictional requirements you do not understand.