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Total Loss Toolkit
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COMP REPORT ANALYSIS · FREE FOR REPORT BUYERS · BETA

Your insurer's valuation, checked line by line against your state's law.

Upload the report your insurer gave you (CCC One, Mitchell or Audatex). We run 19 checks on it, 11 on every comparable car, including the adjustments insurers have been sued over, and test it against total-loss rules researched for all 50 states and D.C.

Free for Total Loss Toolkit customers · Written report within 72 hours · No obligation

For customers who have bought a Total Loss Toolkit valuation report: we compare the insurer's report with yours. A new, free service we're piloting.

Send us your report
checks on every report
19checks on every report
of them on every comparable car
11of them on every comparable car
states’ total-loss rules researched
50 + DCstates’ total-loss rules researched
written report, free
72hwritten report, free
EVERY LINE OF THEIR VALUATION

19 checks. Every line of your insurer's valuation.

Insurers price your car from a handful of "comparable" cars and a stack of adjustments. That's where valuations go wrong, so that's what we check, item by item.

  1. 11 CHECKS

    Every comparable car the insurer used

    11 checks run on each comparable, one by one.

    • Same year, make, model, trim, drivetrain and body as your car, or a fair adjustment for the difference
    • A real retail listing, not an auction or wholesale price
    • Not your own car listed back as a comparable
    • Not the same listing counted twice
    • A valid VIN, so the comparable can be traced to a real vehicle
    • Mileage close to yours, with large differences flagged
    • The mileage adjustment goes the right way (a comparable with more miles than yours should be adjusted up, not down)
    • Distance from you, measured against your state's limit
    • Negotiation ("haggle") deductions such as "Projected Sold Adjustment", "Typical Negotiation Adjustment" or "Take Price", and whether the seller is a franchise dealer
    • Every adjustment itemized, with no unexplained lump sums
    • The comparable's adjusted price recalculated from its own figures
  2. 2 CHECKS

    The insurer's math

    We recalculate the valuation from the insurer’s own numbers.

    • The base value: the average of the comparables, recalculated
    • Every step from base value to settlement: condition, prior damage, taxes, fees and deductible
  3. 3 CHECKS

    Your car

    Is the car they valued really your car?

    • The VIN matches your Total Loss Toolkit report
    • Trim, drivetrain, body and engine match your VIN
    • The mileage matches what you told us
  4. 3 CHECKS

    The report as a whole

    Patterns you only see across the whole valuation.

    • The same negotiation percentage applied across the board
    • Whether sales tax, title and registration fees are included
    • Whether the valuation rests on enough comparable cars, against your state's rule where it sets one

Checked against your state law

Every state writes its own total-loss rules, and insurers don't always follow them. We researched the rules in all 50 states and Washington, D.C., each with its legal citation. Your report quotes your state's rule, links to the source, and points you to your state's insurance regulator. Where your state is silent, we say so.

  • 48states have a rule or court ruling on sales tax, title and registration fees
  • 33states set rules on how far away a comparable car can be
  • 32states set rules for condition deductions
  • 28states researched for how many comparables a valuation needs
  • 7states restrict or regulate negotiation and dealer-prep deductions

What you get back

  • A Red, Yellow or Green rating for every comparable, with the reasons
  • Your state's total-loss rules quoted, with the legal citation and a link to your regulator
  • The insurer's math, recalculated line by line
  • Better-matching listings from your Total Loss Toolkit report, where we find them
  • The questions to ask your insurer, and what to ask them to change
Sample report: summary of 12 comparables rated Red, Yellow or Green, and one comparable's adjustments
PART OF A SAMPLE REPORT (sample data)

Send us your report

Free, no obligation. It takes about two minutes.

  1. 1Upload your insurer's valuation report. It takes about two minutes.
  2. 2We run 19 checks against your state's rules and your Total Loss Toolkit report.
  3. 3You get a written report by email within 72 hours, whether we find something or not.

Usually a PDF your adjuster emailed you. PDF, JPG or PNG, up to 3MB. A clear phone photo is fine too.

Consent to Document Review and Data Processing

Before the document is processed by any artificial intelligence (AI) tool, Total Loss Toolkit uses software designed to remove personal identifying information, including names, street addresses, telephone numbers, email addresses, policy numbers and claim numbers. Vehicle information, including the vehicle identification number (VIN), is retained for the purpose of the review. This review is provided free of charge and without obligation, is for informational purposes only, and does not constitute legal advice. The submitted file will be deleted within 90 days of submission, or sooner upon written request to support@totallosstoolkit.com; a de-identified record of the checks performed, which cannot be linked to me, may be retained.