Posted on November 20th, 2025

A Step-by-Step Guide for Policyholders

If your vehicle has been declared a total loss after an accident, your insurance company will make a settlement offer based on their valuation of your car's actual cash value (ACV). Most times, this offer is much lower than expected. If you believe the settlement does not accurately reflect your vehicle's worth, you have the right to appeal. This guide outlines the steps you should take to contest a total loss offer from your insurance company.

1. Review the Insurance Company’s Offer

Start by making sure your Insurance Company sends you their Complete Total Loss Evaluation Report. Carefully read the total loss settlement offer and the accompanying valuation report. The report should detail how the insurer determined your car’s value, including factors such as make, model, year, mileage, condition, and recent sales of similar vehicles in your area. You do not have to accept the offer.

2. Gather Evidence to Support Your Case

• Obtain Comparable Vehicle Listings: Search for vehicles of the same make, model, year, mileage, and condition in your local area. Use reputable sites like Kelley Blue Book, Edmunds, NADA Guides, Autotrader, and local dealership listings.
• Collect Maintenance and Upgrade Records: Gather receipts for recent repairs, upgrades, or maintenance that could increase your vehicle’s value.
• Document Your Vehicle’s Condition: Take clear, recent photos and assemble any records that demonstrate your car’s excellent upkeep.

3. Prepare a Counteroffer

Based on your research, determine a reasonable value for your car and prepare a counteroffer. Be specific—include your evidence, such as comparable sales, vehicle condition, and additional features that may justify a higher value.

4. Submit Your Appeal

Contact your insurance adjuster, preferably in writing, and outline why you believe the offer is too low. Attach your supporting documentation and clearly state the value you believe is fair. Remain professional and courteous throughout your communication.

5. Negotiate with the Insurance Company

After receiving your appeal, the insurer may review your evidence, conduct a re-evaluation, or negotiate further. Be prepared to discuss your findings and answer any questions. Sometimes, the company may increase their offer or provide additional justification for their original figure.

6. Escalate If Necessary

• Request a Supervisor Review: If you are not satisfied with the adjuster’s response, ask for a supervisor or manager to review your claim.
• File a Complaint: Contact your state’s insurance department to file a formal complaint if you believe the offer is unfair or the insurance company is not acting in good faith.
• Consider Appraisal or Mediation: Some policies include an appraisal clause, allowing each party to hire an independent appraiser. If disagreements persist, mediation or legal action may be considered, but consult with a professional before proceeding.

7. Keep Records of All Communication

Maintain detailed records of all correspondence, phone calls, emails, and documents exchanged with your insurance company. This is crucial if your case escalates to state regulators or legal proceedings.

Conclusion

Appealing a total loss offer requires preparation, patience, and persistence. By gathering solid evidence, presenting a clear counteroffer, and maintaining open communication, you improve your chances of achieving a fair settlement. If the process becomes too complex, consider consulting with an attorney or an hire an independent appraiser like Collision Consultants of North America.