Extennsion
Jul 30, 2025
Avoid leaving money on the table with these quick tips.
It’s one of the most stressful calls a driver can get: “We’ve determined your vehicle is a total loss.”
Many people accept the payout without asking questions — but that could mean losing out on hundreds or even thousands of dollars. Here's how to navigate a total loss claim and protect yourself from being short-changed.
First, understand how they calculate your car’s value
Insurance companies use third-party valuation tools (like CCC One or Mitchell) to determine your car’s Actual Cash Value (ACV). But these tools often undervalue vehicles.
What to check:
Are they using similar vehicles with the same mileage, trim, and condition?
Are there adjustments that seem unfair or excessive?
Did they include enough comps from your local area?
Example: A client in Charlotte had a Honda Civic that the insurance carrier valued at $8,200. After reviewing the valuation report, we challenged two low comps that had lower trim levels and significantly higher mileage. After some back and forth the payout was raised to $9,400.
Next, calculate your settlement offer
Your offer will be:ACV – Deductible – Salvage Value (if keeping the car)
If the numbers feel off, you’ll need to dig into the Total Lass Valuation and Settlement Summary. Remember - You can also request a revised market valuation.
You will need to provide valid reasons for the request and any supporting evidence you can include will only help your case.
Don’t forget these common oversights:
Sales tax: This should be included in the payout.
Title & registration fees: Often missed in first offers.
Rental car deadline: Your rental coverage usually ends 48-72 hours after a total loss OFFER. Don’t delay reviewing the documentation or you may cost yourself in out of pocket rental expenses.
Takeaway:
A total loss doesn’t have to mean total defeat. You have the right to ask questions and negotiate.
Need help reviewing your total loss valuation or fighting for a fair payout? Extennsion can help, call or email us so you can get back on the road ASAP.