Recover what your totaled vehicle is really worth
A defensible pre-loss ACV report for totaled vehicles. Counters the carrier's total-loss valuation with verified ZIP-band comparable sales and a pre-addressed Carrier Demand Letter. Launching soon — drop your email to be notified.
Total Loss vs Diminished Value — what's the difference?
Total Loss
The carrier declares your vehicle a total loss and pays you the actual cash value (ACV). The fight is over the ACV number itself — and carriers typically anchor low using stale book data and questionable "market adjustments".
The Total Loss Report counters with ZIP-band verified comparable sales. The same evidence base used in our DV reports, configured for the pre-loss ACV question.
Diminished Value
Your vehicle was repaired (not totaled), but it's now worth measurably less because of the accident history. You file a claim for the post-repair residual loss against the at-fault driver's carrier.
Get a DV Report — $199.95 · backed by $600 Money-Back Guarantee
Not sure if your vehicle qualifies as a total loss in your state? Try our Total Loss Threshold Calculator — it shows whether your repair cost crosses the threshold your state uses.
What goes into the Total Loss Report
- →Pre-loss ACV from the top 10 verified comps in your ZIP. Mean of comparable sales for your specific year/make/model/trim, drawn from 10 million+ verified sales, percentile outlier-filtered (top ~3% excluded).
- →Carrier-typical adjustments stripped out. Carriers apply "condition adjustments", "mileage adjustments", and "market adjustments" that systematically reduce the payout. The report shows what each adjustment actually costs you in dollars.
- →Pre-addressed Carrier Demand Letter included. Built around the report's evidence and ready to send to the adjuster handling your total-loss claim.
- →Appraisal-clause language. If the carrier won't move off their number, the report includes the policy language you need to invoke the appraisal clause in your auto policy.
A 2023 Texas judgment ordered approximately $277,000 against State Farm on an under-indemnified total-loss claim plus unfair-practices penalty (Joseph Wayne Collins v. State Farm). The leverage exists; the problem is having credible comparable-sales evidence to anchor your number.
In the meantime
Until the Total Loss Report launches, the closest existing product is our Platinum Report ($149.95). It uses the same verified comparable-sales methodology to produce a defensible pre-loss FMV, includes the CarFax + KBB + JD Power + AutoCheck document bundle, and ships with appraisal-clause language. Same-business-day delivery.
For a quick sense of whether your vehicle even meets the total-loss threshold in your state, use the Total Loss Threshold Calculator.
Be first in line
The Total Loss Report is in development. Drop your email and we'll send one note when it goes live. No marketing, no follow-ups.