Menu
Get More Money for Your Totaled Car! Did you know that 90% of the time, the insurance company’s offer is a lowball? You’re entitled to challenge their offer, and we can help you settle for more!
Fill out the form to start today and take the first step toward a better settlement!
When your car is severely damaged in an accident, the insurance company may declare it a total loss. This happens when the cost to repair your vehicle, combined with its salvage value, exceeds its actual cash value (ACV) before the accident.
There are two main ways insurers determine a total loss:
Insurance companies typically use external vendors like Mitchell, CCC, or Audatex to assess your car’s value. However, these evaluations often undervalue your vehicle. That’s why you have the right to challenge their assessment by hiring an independent appraiser to provide a fair, unbiased valuation.
In Florida, the total loss threshold is 80%. This means if the cost to repair your vehicle reaches or exceeds 80% of its actual cash value (ACV), it’s considered a total loss under state law.
Here’s what you need to know about Florida’s total loss rules:
Insurance companies are required to provide you with a detailed appraisal report, which includes the ACV and repair cost breakdown.
The vehicle is totaled when: The cost of repair + salvage value > Actual Cash Value
YES. If you believe your vehicle is worth more, you must prove a higher value. This is usually done by providing the carrier with an alternate report.
It usually takes no longer than 15 days, depending on the adjuster handling your claim and the dynamic between the two of you.
Yes, as long as the appraiser issuing it is licensed and competent.
Yes! As part of our total loss appraisal services, we offer a 100% Money-Back Guarantee. If the insurance company does not pay at least the appraisal cost, we will gladly refund 100% of the appraisal cost.
Not unless we are disputing the condition and equipment listed on the insurer’s report.
We offer a full range of services and solutions to meet all your appraisal needs.
2025 © Appraisal Engine Inc | All rights reserved