A practical check of your total-loss offer
Use this evidence checklist to decide what needs review. It does not calculate a guaranteed increase.
Check 1: is it the right vehicle?
Compare VIN, year, trim, engine, drivetrain, mileage and packages against your records. Note the report page for every mismatch. An equipment correction is easier to evaluate than a general statement that the offer feels low.
Check 2: are the comparisons useful?
Look for matching configuration, relevant dates, title history, actual availability and a justified search area. Record duplicate VINs. Ask whether each listing was used in the calculation or provided only as background.
Check 3: can you follow the adjustments?
Trace mileage, equipment, condition and any price adjustments separately. Understand the direction and net effect. Different implied mileage rates alone do not establish an error; ask for the model or market explanation.
Check 4: is the settlement separate?
A deductible, loan payoff or salvage-retention amount can explain a lower payment without showing that the pre-loss valuation is low. Review an itemized statement and identify the line you actually dispute.
Check 5: what evidence would change the result?
Collect records that correct a fact or establish a relevant market comparison. Write a short request tied to that evidence. If you cannot identify a specific discrepancy, an appraiser can review the report, but should not promise that a discrepancy or increase will be found.
Choose your next step
Use the report-correction worksheet in Resources. For an unresolved value disagreement under your own policy, read the appraisal provision. For a third-party claim, consider a supported report and demand package, with legal advice for liability, releases or litigation.
Sources and further reading
Reviewed October 11, 2026. Check your policy and current state guidance. Educational information, not legal advice.
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