{"id":763,"date":"2026-10-12T06:40:31","date_gmt":"2026-10-12T06:40:31","guid":{"rendered":"https:\/\/totalloss.net\/index.php\/glossary\/actual-cash-value\/"},"modified":"2026-10-12T06:40:31","modified_gmt":"2026-10-12T06:40:31","slug":"actual-cash-value","status":"publish","type":"page","link":"https:\/\/totalloss.net\/index.php\/glossary\/actual-cash-value\/","title":{"rendered":"Actual cash value (ACV)"},"content":{"rendered":"<section class=\"hero single\">\n<div class=\"hero-inner\"><span class=\"eyebrow\">Total Loss Network \/ Glossary<\/span><\/p>\n<h1>Actual cash value (ACV)<\/h1>\n<p class=\"lead\">A measure of the covered vehicle\u2019s value before the loss, interpreted under the policy and applicable law. It is not automatically the purchase price, the loan balance or the price of a brand-new replacement.<\/p>\n<\/div>\n<\/section>\n<p><main id=\"main\" class=\"core-body\"><\/p>\n<section class=\"module\" id=\"why-the-term-matters\">\n<h2>Why the term matters<\/h2>\n<p>Compare the report\u2019s vehicle description and market evidence before looking at settlement deductions. A $20,000 vehicle value and a $19,500 payment may differ because of a deductible, not because two different vehicle values were used.<\/p>\n<\/section>\n<section class=\"module\" id=\"a-question-to-ask\">\n<h2>A question to ask<\/h2>\n<p>\u201cWhere does this term appear in my report or policy, and how does it affect this specific calculation or next step?\u201d Ask for a written explanation tied to the document.<\/p>\n<\/section>\n<section class=\"module\" id=\"read-the-full-guide\">\n<h2>Read the full guide<\/h2>\n<p><a href=\"https:\/\/totalloss.net\/index.php\/guides\/vehicle-value\/\">Continue with the practical guide<\/a><\/p>\n<\/section>\n<section class=\"module\" id=\"keep-exploring\">\n<h2>Keep exploring<\/h2>\n<p><a href=\"https:\/\/totalloss.net\/index.php\/glossary\/\">Browse all glossary<\/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 \/ Glossary Actual cash value (ACV) A measure of the covered vehicle\u2019s value before the loss, interpreted under the policy and applicable law. It is not automatically the purchase price, the loan balance or the price of a brand-new replacement. Why the term matters Compare the report\u2019s vehicle description and market evidence [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":736,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-763","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/763","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=763"}],"version-history":[{"count":0,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/763\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/736"}],"wp:attachment":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/media?parent=763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}