Total loss Car Appraisals | JDPower Mitchell, CCC Valuescope, Audatex Autosource


Total Loss Car Appraisals – Insurance Claims

Did the insurance company declare your car a total loss? Collect what you’re really owed. Start your dispute here!

Total Loss Appraisals: After a car accident or a loss, depending on the repair amount, the insurance company may declare the vehicle a total loss. This is usually the case if the cost of repair exceeds the total loss threshold.

Total Loss Formula / Total Loss Threshold

The total loss formula is as follows: Cost of Repair + Salvage Value > Actual Cash Value

The total loss threshold is set by your state, usually a percentage of the vehicle’s value. Most states have a 75% damage to value total loss threshold.

The insurance company is required to provide you with an appraisal report or a market valuation. This report details how the carrier arrived to their assessment of value. Carriers generally utilize an outside company (JD Power Mitchell, CCC or Audatex) to compile the data and issue an appraisal. This 8 to 10 page report MUST contain the vehicle’s condition, equipment and options as well as a list comparable vehicles with a market analysis within your local geographical area.

If you believe that the insurer’s assessment in wrong or unfair you have the right to file a dispute. You achieve this by hiring your own independent auto appraiser to produce a counter-valuation, basically a second opinion in the form of an appraisal report. The burden of proof tends to lie with the claimant, in other words,  you have to prove to the carrier that your vehicle is worth more than they’re willing to pay.

If the claim is against your own carrier, check your policy, it may contain a valuation dispute method, usually under the appraisal clause.

On Average, our valuations are 5 to 15% greater than CCC or Mitchell, so, if the insurer is using either one of those two companies for their report, it might be a claim worth disputing.

To get the process started, please fill out the order form below. The cost of our vehicle valuation report is $150.

Total Loss Appraisal Requirements:

Vehicle Totaled

  1. Vehicles must be $3,000 or more
  2. We need a copy of the insurer’s vehicle valuation report
  3. We will not be disputing the condition stated in the insurer’s report
  4. There is no guarantee our valuation will be greater than theirs