Is your total loss offer fair?

Upload your insurer’s total-loss valuation report (CCC ONE, Mitchell or Audatex) for a free check in about a minute: we list potential discrepancies in the comparable vehicles, adjustments, taxes and fees. The full review report — every detail, a comparables table and a letter you edit and send yourself — is $79.

Free check in ~1 minuteFull report $79CCC · Mitchell · AudatexFiles deleted in 72 h

Free check of your valuation report

Drop the valuation report here
PDF, or photos of every page (JPG/PNG) · up to 10 files · 25 MB

The report stays private: files are deleted within 72 hours and never used to train models. Tip: it’s the multi-page document titled “Market Valuation Report” (CCC), “Total Loss Valuation” (Mitchell) or “Autosource” (Audatex).

Your free check will appear here — usually within a minute.

What the check looks for

How it works

1

Upload the valuation report

The PDF or photos of the report your insurer sent. We read the values, comparables and adjustments.

2

See the free check

Vehicle, values and the list of potential discrepancies — in about a minute.

3

Get the full report — $79

Every detail, the comparables table, local listing searches and an editable letter you send yourself.

Where the full report is available

Full report: New York, Georgia, Maryland, Missouri, Louisiana, Kansas, New Hampshire, Rhode Island. The free check works in every state. More about availability.

Guides

CCC valuation report explainedBase value, condition, comparables, taxes — section by sectionMitchell total loss valuation explainedComparable cards, projected sold adjustments, condition levelsCondition adjustmentsWhy condition ratings lower a total loss value and what to askProjected sold adjustmentThe comparable price reduction, what it is and what to askComparable vehiclesWhat makes a comparable comparable, and finding your ownSales tax & fees in a total lossCheck whether tax, title and registration are in the totalThe appraisal clauseHow the policy appraisal provision generally worksSample reportWhat a full report looks likeAvailability by stateWhere the full report is offered

Frequently asked questions

What does the free check include?

We read your insurer’s valuation report and show the vehicle, the values it lists, and a list of potential discrepancies by category — for example comparables with very different mileage, price-reduction adjustments, or condition deductions. The details, the comparables table and the draft letter are in the full report.

What does the $79 full report include?

Every finding with the exact figures from your report, what you may ask the insurer to explain, a table of the comparable vehicles and their adjustments, your vehicle’s condition deductions, pre-filled searches for similar vehicles for sale near your ZIP code, and a first-person letter you edit, sign and send yourself.

Do you contact my insurer?

No. You decide whether to send anything. The letter is your own draft — you can edit every line, and you send it yourself.

Which reports can you read?

Insurer total-loss valuation reports from CCC (CCC ONE Market Valuation Report), Mitchell (WorkCenter Total Loss) and Audatex (Autosource). Upload the PDF, or clear photos of every page.

Is the full report available in my state?

The free check works for any state. The full report is currently available in New York, Georgia, Maryland, Missouri, Louisiana, Kansas, New Hampshire and Rhode Island; more states are being added.

What if the check finds nothing?

Then we tell you so. Some valuations have no obvious discrepancies, and you may not need the full report.

What this is — and isn’t

FairTotalLoss is a self-help information tool. We are not a public adjuster, appraiser, or law firm; we do not represent you, contact your insurer, or negotiate your claim, and we do not advise on insurance coverage. Our reports describe what your valuation report shows and questions you may choose to ask; they are not an appraisal and not a substitute for advice from a licensed public adjuster or attorney. Fixed price, unrelated to any settlement outcome.