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An independent, appraiser-signed valuation you submit with your claim — built to answer the insurer's own numbers.
Your car was fixed but is now worth less because it has an accident on its history — that loss is diminished value.
See your free estimate →The insurer is paying you out instead of repairing — and the payout may be below what your car was actually worth. That's a total loss valuation dispute.
See your free estimate →Once you accept and sign, the offer is usually final.