{"id":30,"date":"2026-10-23T23:43:04","date_gmt":"2026-10-23T23:43:04","guid":{"rendered":"https:\/\/accidentadvisory.com\/?page_id=30"},"modified":"2026-10-24T01:03:22","modified_gmt":"2026-10-24T01:03:22","slug":"guide-total-loss","status":"publish","type":"page","link":"https:\/\/accidentadvisory.com\/es\/guide-total-loss\/","title":{"rendered":"Understand a total-loss offer"},"content":{"rendered":"<div class=\"page-head\"><div class=\"inner\"><div class=\"breadcrumb\"><a href=\"\/es\/\">Home<\/a> \/ Vehicle &#038; insurance<\/div><h1>Understand a total-loss offer<\/h1><p>Before comparing an insurance offer to online vehicle values, understand what the offer includes and which vehicle details were used.<\/p><\/div><\/div><section class=\"section\"><article class=\"article\"><span class=\"tag\">RESOURCE GUIDE \u00b7 FIRST EDITION<\/span><h2>Request the valuation report<\/h2><p>Ask for the written valuation, comparable vehicles, condition adjustments, mileage, trim, and equipment details. Check for factual errors and keep the supporting records.<\/p><h2>Compare like with like<\/h2><p>A trade-in value, private-party estimate, dealer asking price, and insurance valuation are different measures. Use vehicles with similar location, mileage, trim, and condition when gathering comparisons.<\/p><h2>Separate the vehicle value from your loan<\/h2><p>The amount owed on a loan is a separate number. Review your policy and loan documents, and ask the insurer to explain any deductible or other adjustment in writing. The worksheet helps organize your figures; it does not determine what an insurer owes.<\/p><p><a class=\"button\" href=\"\/es\/vehicle\/\">Open the vehicle worksheet \u2197<\/a><\/p><p class=\"notice\">General educational information. No attorney or medical review is claimed. For advice specific to your circumstances, consult a qualified professional.<\/p><h2>Keep exploring<\/h2><p><a href=\"\/es\/guide-insurance-calls\/\">Prepare for an insurance conversation \u2192<\/a><\/p><p><a href=\"\/es\/guide-repair-estimate\/\">Organize repair estimates and inspections \u2192<\/a><\/p><\/article><\/section><section class=\"section\"><article class=\"card\"><p class=\"eyebrow\">VEHICLE VALUE<\/p><h2>Make sense of a total-loss offer.<\/h2><p>Review vehicle details, organize comparable listings, and understand how Kelley Blue Book values differ from an insurance valuation.<\/p><a class=\"text-link\" href=\"\/es\/vehicle-valuation-review\/\">Follow the valuation-review guide \u2192<\/a><\/article><\/section>","protected":false},"excerpt":{"rendered":"<p>Home \/ Vehicle &#038; insurance Understand a total-loss offer Before comparing an insurance offer to online vehicle values, understand what the offer includes and which vehicle details were used. RESOURCE GUIDE \u00b7 FIRST EDITION Request the valuation report Ask for the written valuation, comparable vehicles, condition adjustments, mileage, trim, and equipment details. Check for factual [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"hero_heading":"","hero_subheading":"","footnotes":""},"class_list":["post-30","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/pages\/30","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/comments?post=30"}],"version-history":[{"count":2,"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/pages\/30\/revisions"}],"predecessor-version":[{"id":106,"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/pages\/30\/revisions\/106"}],"wp:attachment":[{"href":"https:\/\/accidentadvisory.com\/es\/wp-json\/wp\/v2\/media?parent=30"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}