A total loss offer can be wrong when the valuation report misses options, uses weak comparables, or fails to reflect condition.
What to do next
- Save the valuation report and every comparable vehicle listed.
- Check mileage, trim, options, condition adjustments, and market area.
- Collect photos, maintenance history, window sticker details, and recent comparable listings.
- Ask whether your policy gives you an appraisal clause or other dispute process.
Keep the file organized
If the claim needs a formal review, keep valuation reports, estimates, supplements, photos, and policy documents together before moving the file into Folder Co.