Posted on November 20th, 2025

A Comprehensive Guide to Required Paperwork

When filing a total loss insurance claim—whether for a vehicle, property, or other insured asset—it is critical to gather and submit the appropriate documentation. Proper paperwork ensures a smoother claims process and helps prevent delays or disputes with your insurance provider. Below is a detailed list of key documents typically required for total loss insurance claims in the United States.

1. Proof of Ownership

• Title Certificate: The official document proving ownership of the asset (e.g., vehicle title or deed for property). Title does not get released until the settlement is reached.
• Registration Documents: For vehicles, a copy of the most recent registration. (You will need this to transfer your plate when replacing your vehicle)

2. Insurance Policy Documentation

• Insurance Policy: A copy of your current insurance policy, including declarations and coverage details.

3. Claim Forms

• Completed Claim Form: The official claim paperwork provided by your insurer, filled out and signed. This will be done at time of settlement
• Statement of Loss: A detailed account of the incident leading to the total loss. Police Report is fine

4. Incident Documentation

• Police Report: For accidents, theft, or vandalism, a copy of the official police report.
• Fire Report: If the loss is due to fire, documentation from the fire department.
• Accident Report: Any additional reports from authorities or third parties.
• Repair Estimates: Written estimates from licensed professionals, if applicable.
• Appraisal Report: An independent assessment of value and condition before the loss. This is handled by Collision Consultants of North America 

5. Financial and Loan Documents

• Loan Payoff Statement: If the asset is financed, a statement from the lender showing the payoff amount. Your Insurance Company will get this and a 10 day payoff.
• Lease Agreement: For leased assets, a copy of the lease contract.

6. Additional Supporting Documentation

• Receipts for Recent Upgrades or Repairs: Documentation for any improvements that may affect the claim value.
• Correspondence with Insurer: Copies of emails, letters, or recorded calls regarding the claim.
• Proof of Address: Utility bills or other documents confirming the insured location, if applicable.

Conclusion

Having these documents ready when submitting a total loss insurance claim will help expedite the process and increase the likelihood of a favorable outcome. Requirements may vary depending on your insurer and the type of asset, so always consult your policy and communicate with your claims adjuster for specific instructions.

This is a lot of stuff to do and a lot of homework. To bypass this reach out to Collision Consultants of North America and they will handle the Total Loss Evaluation for you.