Don't accept a lowball total loss offer
ACV, comps, salvage retention, diminished value — most drivers don't know how the numbers work, so they accept the first offer. We make sure you don't.
What "total loss" really means
A vehicle is a total loss when repair cost plus salvage value exceeds the insurer's calculated Actual Cash Value (ACV). The number they hand you is built from a third-party valuation report (CCC, Mitchell, Audatex) that pulls comparable listings — and those comps are often stale, mis-trimmed, or geographically off. A few corrections can move an ACV offer by thousands.
We review the report, build a counter-valuation from real local comps, and walk you through whether to settle, retain salvage, or pursue diminished value. You sign nothing until the number is right.
How we help
Insurance valuation review
We audit the carrier's ACV offer line by line for errors and lowball comparables.
Comparable market research
Independent market comps so you see what your car is actually worth, not what they want to pay.
Settlement guidance
Strategy and scripts for negotiating a fair payout — not the first offer.
Repair vs total loss analysis
Honest review of whether the smarter move is to repair, keep, or let the vehicle go.
Salvage retention guidance
Understand the buy-back numbers and whether keeping the vehicle is worth it.
Total loss negotiation support
We push back on insurer pressure so you're never rushed into signing.
Vehicle replacement help
Guidance on finding, evaluating, and financing your replacement vehicle.