Total Loss Appraisals – Don’t Settle for Less Than Your Vehicle Is Worth
Total Loss
When your vehicle is declared a Total Loss after an accident, the insurance company will offer you a settlement based on what they believe your car was worth before the crash.
But here’s the truth:
Insurance valuations are often thousands of dollars below true market value.
A Total Loss Appraisal ensures YOU get paid what your vehicle is actually worth — not what the insurance company decides.
What Is a Total Loss Appraisal?
A total loss appraisal is an independent assessment of your vehicle’s Actual Cash Value prior to the accident. This includes:
- Current local market pricing
- Comparable vehicle analysis
- Optional equipment and packages
- Vehicle condition and maintenance history
- Regional demand and market fluctuations
This appraisal allows you to challenge a low insurance offer and demand a fair and accurate settlement.
Why Total Loss Valuations Are Often Too Low
Insurance companies typically use automated valuation tools that:
- Ignore real-world dealer pricing
- Undervalue rare or high-demand models
- Miss optional features or tech packages
- Apply incorrect mileage or condition adjustments
- Exclude certified, specialty, or upgraded vehicles
The result is their offer — not surprisingly — comes in lower than the Actual Cash Value of your car.
What Is the Appraisal Clause?
Most insurance policies include an Appraisal Clause, which gives you the legal right to:
Hire your own independent appraiser
Require the insurance company to hire their own
Let both appraisers work together to determine the correct value If they disagree, an impartial Umpire Appraiser resolves the difference.
This process exists to protect YOU — but few drivers know they can use it.
We handle the entire process for you.
How Acquire Auto Helps You
At Acquire Auto, we specialize in accurate, defendable total loss valuations that insurance companies must take seriously.
You get:
- Licensed independent appraisers (we do not work for insurance companies)
- A market-backed valuation report accepted nationwide
- Full support through the Appraisal Clause process
- A Money-Back Guarantee — if you don’t recover more, you don’t pay
On average, clients recover thousands more than the insurance company’s initial offer.
Get Started in Minutes
If your vehicle was declared a Total Loss, don’t accept the first offer.
You only get one chance to secure the right value.
Start your Free Total Loss Review today.
Send us your insurance offer, and we’ll tell you if it’s undervalued.
