Total Loss Insurance Dispute Tool | CheckMyTotalLoss.com

Free Offer Check

Know before you accept.

Upload your insurer's valuation report for the fastest, most complete check. Don't have it? Enter your vehicle and offer details instead.

Don't have your valuation report yet? Enter details manually

Total Loss Offer Analyzer

Takes less than a minute — no account required to check your offer

Vehicle Details

VIN (optional — auto-fills year, make, model via NHTSA)

Model Year

Make

Model

Trim Level

Mileage

Condition

Your ZIP code (where the vehicle is garaged)

Determines your local market comps and which state rules apply to your report.

Insurer's Offer

Claim Details (Optional)

Adding these lets your dispute letter be addressed with your actual claim number and adjuster's name, instead of a generic placeholder. If you used the Upload tab, these are filled in automatically.

Claim Number

Insurance Company

Adjuster's Name

Date of Loss

Packages & Options

Select all factory-installed options on your vehicle. These are used to find the most comparable listings — vehicles with similar equipment — for a more accurate valuation.

Additional options not listed (describe any other significant equipment)

Fill in year, make, model, mileage, condition, ZIP, and offer to continue.

✓ Fair Offer

Your offer appears to be within market range

While this offer looks fair based on available market data, you may still have options if you believe condition or equipment weren't properly accounted for.

See full comparable report

This analysis is for informational purposes only and does not guarantee any change in your settlement value. CheckMyTotalLoss is not a licensed appraiser. Results reflect available market data and may not represent all relevant comparables.

⚠ Borderline

This offer is below market — worth pushing back

A well-documented counteroffer supported by comparable market data can help close this gap. A comp report gives you the evidence to make that case to your adjuster.

How it works

This analysis is for informational purposes only and does not guarantee an increase in your settlement value. CheckMyTotalLoss is not a licensed appraiser and disclaims all liability for dispute outcomes or insurer decisions.

✗ Low Offer

Your offer appears significantly below the available market range

A significant gap like this is worth disputing. A documented dispute file backed by real market evidence is your strongest tool for making the case to your adjuster — without escalation costs.

Learn more

Upload Your Valuation Summary

We read your insurer's document and extract all vehicle and offer data automatically — no manual entry needed

What should I upload? Upload the full valuation report showing comparable vehicles and adjustments, not only the settlement summary. If your insurer sent only a summary, ask your adjuster for the complete report.

Drop your valuation report here

or click to choose a file

PDF, JPG, or PNG accepted · CCC One, Mitchell, Audatex, and other insurer formats

Secure upload · No account required

Insurers generate valuation reports using third-party software platforms. These reports center on a table of comparable vehicles, each adjusted line-by-line for differences in trim, mileage, options, and condition, before being averaged into a final value. Below is a generic mockup demonstrating that structure — built from publicly documented report conventions, not a reproduction of any specific company's proprietary template, logo, or branding — so you know what to look for in your own document.

Sample Total Loss Valuation Report

Generic mockup — illustrative structure only, not any specific insurer's actual document

Owner: John A. Sample

Claim Reference: CLM-2026-0221176

Loss Vehicle: 2024 Toyota Camry LE

Adjuster: Sample Adjuster

VIN: 4T1C11AK4RU244316

Odometer: 10,000

Base Vehicle Value$23,598

Adjusted Vehicle Value$21,500

Total$21,500

Comparable Vehicles

Options	Loss Vehicle	Comp 1	Comp 2	Comp 3
Odometer	10,000	11,204	14,850	9,600
Blind Spot Monitor	✓	✓	✗	✓
Sunroof	✗	✓	✗	✗
Heated Seats	✓	✓	✓	✗
List Price	—	$25,995	$24,900	$26,800
↳ Make/Model/Trim		$0	-$150	$0
↳ Options		-$300	+$150	-$400
↳ Mileage		-$72	+$291	-$21
↳ Condition¹		-$1,560	-$1,494	-$1,608
Adjusted Comparable Value		$24,063	$23,285	$24,771

¹The Condition adjustment normalizes each comparable to the same condition grade as the loss vehicle, described in a separate Vehicle Condition section of the report.

Vehicle Condition

Component	Condition	Value Impact
Body / Paint	Good	$0
Interior	Good	$0
Tires / Mechanical	Good	$0

Your actual document may look different depending on your insurer and region, but will typically include this same core structure: a claim/vehicle header, a comparable-vehicles table with itemized adjustments for trim, options, mileage, and condition, and a final settlement figure — that's the information we extract automatically, including line items from within the comps table itself.

Your car was totaled.
Is the offer fair?

Know before you accept.

Total Loss Offer Analyzer

Upload Your Valuation Summary

From offer to evidence in three steps

Share the Valuation

See How It Compares

Build Your Response

A clearer way to question the number.

Evidence You Can Verify

Designed Around Your State

Built from Real Claims Experience

Check free. Pay only if you want the dispute file.

You don't have to guess whether the offer is fair.

Your car was totaled.Is the offer fair?

Know before you accept.

Total Loss Offer Analyzer

Upload Your Valuation Summary

From offer to evidence in three steps

Share the Valuation

See How It Compares

Build Your Response

A clearer way to question the number.

Evidence You Can Verify

Designed Around Your State

Built from Real Claims Experience

Check free. Pay only if you want the dispute file.

You don't have to guess whether the offer is fair.

Before you go, check the offer free.

Sample Dispute Report

Your car was totaled.
Is the offer fair?