VEHICLE DAMAGE & INSURANCE \u00b7 SOURCES CHECKED OCTOBER 23, 2026<\/p>\n
A useful valuation review starts with the vehicle’s details and the insurer’s explanation. Use this guide to organize evidence, spot factual errors, and prepare specific questions about a total-loss offer.<\/p>\n
Request the valuation report and a written breakdown of the proposed payment. Separate the vehicle’s pre-loss value from the deductible, loan payoff, taxes or fees, and any salvage deduction. Which items apply depends on the policy, claim, and state rules.<\/p>\n
Washington’s rules provide a state-specific example: the insurer’s total-loss valuation report must include vehicle condition, equipment and mileage information, the information used to determine actual cash value, and comparable vehicles. Requirements elsewhere may differ.<\/p>\n
Washington valuation-report requirements \u2197<\/a><\/p>\n For each error, record the report page, the correction, and the supporting document or photograph. A recent repair receipt supports what work was done; it does not automatically increase the vehicle’s value dollar for dollar.<\/p>\n Save listings for vehicles similar in trim, age, mileage, equipment, and location. Record the listing date, seller, URL, asking price, and important differences. Asking prices are not completed sale prices. Flag differences instead of inventing a dollar adjustment for them.<\/p>\n2. Check that the report describes your vehicle<\/h2>\n
3. Compare like vehicles<\/h2>\n