Question a condition deduction with evidence
Challenge the assumption and its support, rather than automatically adding every negative number back.
Identify what is being adjusted
Determine whether the entry changes the loss vehicle’s value or adjusts a comparison vehicle to match it. Read all related credits and deductions. A negative entry on one page may be offset elsewhere. Ask the claims representative to identify the net effect of the condition calculation.
Distinguish three types of damage
- Damage from this loss belongs in the post-loss assessment, not an unexplained pre-loss condition reduction.
- Prior damage existed before this event and needs a description and support.
- Ordinary wear is different from a specific unrepaired defect. Ask how the condition standard accounts for age and use.
Collect pre-loss evidence
Dated photographs, service inspections, purchase records and repair invoices can help establish condition. A recent detail or repair bill is not automatically a market-value increase equal to its cost, but it may contradict an assertion that a component was damaged or neglected. Explain exactly which disputed entry the evidence addresses.
Ask about the comparison vehicle
Was its condition observed, described by a seller or assumed by a model? Are photographs available? Ask why that evidence supports the difference applied to your vehicle. Do not assert that a vehicle was inspected, or was never inspected, without the record.
Make the requested correction explicit
Use a table with report page, condition description, supporting record and requested change. Ask for the methodology and a revised report. An unexplained deduction is a reason to investigate; it is not proof of fraud or a guaranteed increase.
Sources and further reading
Reviewed October 11, 2026. Check your policy and current state guidance. Educational information, not legal advice.
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