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Total loss
When your vehicle is totaled, the insurer pays you its actual cash value — and that number may be below what your car was really worth. An independent, appraiser-signed valuation documents the difference so you can respond with evidence.
Once you accept and cash the settlement or sign a release, the offer is usually final. If you think the payout is low, it's best to document your vehicle's value before you sign.
The basics
The insurer's actual cash value figure is an opinion. An independent valuation gives you a documented, evidence-based figure to compare it against.
Insurer valuations sometimes use comparables or condition assumptions that understate what your vehicle was worth.
Trim, factory options, low mileage, and strong condition can meaningfully raise a fair figure.
A signed, independent valuation gives you a credible number to submit with your response.
Not sure which applies?
Two situations, two products. Tell us which one fits and we'll point you to the right estimate.
Your vehicle was fixed but is now worth less because it has an accident on its history. That loss is diminished value.
Estimate diminished value →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.
Check what your car was worth →The appraisal clause
Many auto policies include a built-in provision to resolve a disagreement over amount. It's a first-party option under your own policy, pursued with your own independent appraiser. Our guide explains how it generally works — you make every decision.
Guides
Often, yes — especially before you accept. Your policy and state set the process, and an independent valuation gives you documented evidence to support a different figure.
A provision in many policies that lets you and the insurer each name an independent appraiser to resolve a value disagreement. It's a first-party option under your own policy.
It's generally best not to accept or cash the settlement before you've reviewed your options — once accepted, the offer is usually final.
Claimly Auto prepares an independent opinion of your vehicle's value. We do not represent you, do not contact your insurer, and do not negotiate your claim. Unless you separately purchase the Appointed Total Loss Appraiser service — an optional service with its own terms under which a certified independent appraiser serves as your appointed appraiser under your policy's appraisal clause — we do not participate in any appraisal proceeding on your behalf. This is not legal advice. The appraisal clause is a provision of your own insurance policy; read your policy and consult a licensed attorney for advice about your specific situation.
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