{"id":752,"date":"2026-10-12T06:40:31","date_gmt":"2026-10-12T06:40:31","guid":{"rendered":"https:\/\/totalloss.net\/index.php\/guides\/comparables\/"},"modified":"2026-10-12T06:40:31","modified_gmt":"2026-10-12T06:40:31","slug":"comparables","status":"publish","type":"page","link":"https:\/\/totalloss.net\/index.php\/guides\/comparables\/","title":{"rendered":"How to check the comparable vehicles in your report"},"content":{"rendered":"<section class=\"hero single\">\n<div class=\"hero-inner\"><span class=\"eyebrow\">Total Loss Network \/ Guides<\/span><\/p>\n<h1>How to check the comparable vehicles in your report<\/h1>\n<p class=\"lead\">A comparable is useful when you can explain both why it resembles your vehicle and how meaningful differences were handled.<\/p>\n<\/div>\n<\/section>\n<p><main id=\"main\" class=\"core-body\"><\/p>\n<section class=\"module\" id=\"build-a-comparable-log\">\n<h2>Build a comparable log<\/h2>\n<ul>\n<li>Identify the VIN, year, trim, engine and drivetrain.<\/li>\n<li>Record mileage, listing date, location, seller and whether the vehicle is still available.<\/li>\n<li>Keep the advertised price separate from a confirmed cash price or documented sale.<\/li>\n<li>Mark missing equipment, title brands, damage history and uncertain condition.<\/li>\n<\/ul>\n<\/section>\n<section class=\"module\" id=\"look-for-duplicate-evidence\">\n<h2>Look for duplicate evidence<\/h2>\n<p>A dealer may publish the same vehicle on several websites. Count unique VINs, not search results. A sold listing can still be relevant historical evidence, but you need its timing and price basis. An old advertisement or an unexplained distant listing deserves a question about why it was selected.<\/p>\n<\/section>\n<section class=\"module\" id=\"follow-adjustments-in-the-correct-direction\">\n<h2>Follow adjustments in the correct direction<\/h2>\n<p>When a comparison vehicle has fewer miles or more valuable equipment, an adjustment may reduce its price to make it more like the loss vehicle. The reverse can also apply. Read the report\u2019s methodology before interpreting a sign. Confirm that equipment has not been counted twice and that an adjustment already included in a base figure is not added again.<\/p>\n<\/section>\n<section class=\"module\" id=\"test-a-condition-assumption\">\n<h2>Test a condition assumption<\/h2>\n<p>Ask what evidence establishes the condition of both vehicles. A dealer listing is not the same as a physical inspection. But that does not mean every deduction is unsupported. Review photographs, inspection notes and the condition scale, including positive offsets, before deciding what to dispute. A clean-title and a rebuilt-title vehicle require separate consideration.<\/p>\n<\/section>\n<section class=\"module\" id=\"send-a-short-auditable-challenge\">\n<h2>Send a short, auditable challenge<\/h2>\n<p>For each questionable comparable, identify the report page, the specific mismatch, your evidence and the correction requested. Avoid a long collection of unrelated advertisements. Three well-documented examples can be more useful than dozens of incomplete listings. Save the insurer\u2019s response and check the revised calculation.<\/p>\n<\/section>\n<section class=\"module\" id=\"sources-and-further-reading\">\n<h2>Sources and further reading<\/h2>\n<ul>\n<li><a href=\"https:\/\/dfr.oregon.gov\/insure\/auto\/accident\/pages\/totaled-vehicle.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Oregon DFR: total-loss claim information \u2197<\/a><\/li>\n<\/ul>\n<p>Reviewed October 11, 2026. Check your policy and current state guidance. Educational information, not legal advice.<\/p>\n<\/section>\n<section class=\"module\" id=\"keep-exploring\">\n<h2>Keep exploring<\/h2>\n<p><a href=\"https:\/\/totalloss.net\/index.php\/guides\/\">Browse all guides<\/a> \u00b7 <a href=\"https:\/\/totalloss.net\/index.php\/states\/oregon\/\">Oregon claim guidance<\/a> \u00b7 <a href=\"https:\/\/totalloss.net\/index.php\/insurance-company-total-loss-claim-guides\/\">Find your insurer<\/a><\/p>\n<\/section>\n<p><\/main><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Total Loss Network \/ Guides How to check the comparable vehicles in your report A comparable is useful when you can explain both why it resembles your vehicle and how meaningful differences were handled. Build a comparable log Identify the VIN, year, trim, engine and drivetrain. Record mileage, listing date, location, seller and whether the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":735,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-752","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/comments?post=752"}],"version-history":[{"count":0,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/752\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/735"}],"wp:attachment":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/media?parent=752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}