Fair Market Value (Total Loss) Appraisal
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If your car was declared a total loss, the insurance company’s first offer might not reflect your car’s true market value. Get an independent Fair Market Value (total loss) Appraisal accepted by insurers, attorneys, and courts nationwide
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Why You Need a Total Loss Appraisal
Insurance companies often undervalue total loss vehicles by using outdated data or mismatched comparable vehicles. A Fair Market Value (Total Loss) Appraisal Report ensures your payout reflects your car’s real market value — not the insurer’s low estimate.
- Challenge a low insurance offer with data-driven valuation reports.
- Ensure fairness using comparable vehicles recently sold or listed in your area.
- Strengthen your claim with certified reports accepted by insurance companies and courts nationwide.
- Recover thousands in undervalued loss recovery and get the compensation you deserve.
No credit card required • 100% Money-Back Guarantee
What’s Included in the Report
Your Total Loss Appraisal Report includes every detail needed to support your claim and ensure an accurate, fair market valuation accepted by insurance companies, attorneys, and courts nationwide.
- Market-Based Valuation: Real-world data from recently sold or listed comparable vehicles determines your car’s true fair market value.
- Vehicle-Specific Adjustments: Adjustments are applied for mileage, trim level, condition, upgrades, and optional features to match your vehicle precisely.
- Regional Market Analysis: Reflects up-to-date pricing trends and availability within your geographic area for greater accuracy.
- Comprehensive Documentation: Professionally formatted appraisal report accepted by insurance companies, attorneys, and courts across the U.S.
- Money-Back Guarantee: Backed by our 100% refund policy if your claim is denied or your extra recovery is less than $1,000.
100% Money-Back Guarantee
We stand behind every appraisal. If your claim results in less than $1,000 in extra recovery, we’ll refund your full report fee— no questions asked.
- Risk-free: get your money back if recovery is under $1,000
- Applies to all certified diminished value and FMV reports
- Backed by our nationwide guarantee
What is My State's Total Loss Thresholds?
Every state defines a Total Loss Threshold (TLT) differently — it’s the percentage at which your vehicle is declared a total loss after an accident. Some states use a fixed limit, such as 70% or 80% of the vehicle’s pre-accident value, while others apply the Total Loss Formula (TLF), which compares the repair cost plus the salvage value to your car’s fair market value.
Understanding your state’s threshold is key before filing a claim. SnapClaim appraisal reports are recognized nationwide by insurance adjusters, attorneys, and courts, giving you the evidence you need to negotiate confidently, no matter where you live.
How it works
Getting your fair market value appraisal through SnapClaim is quick, transparent, and risk-free. In just a few steps, you can challenge a low insurance payout and recover the full value your vehicle deserves.
- Check Eligibility: Enter your vehicle details to confirm if your case qualifies for a total loss appraisal.
- Get a Free Estimate: Receive an instant fair market value estimate within minutes — no credit card required.
- Order Full Report: Our certified appraisers research comparable vehicles sold or listed within the last 90 days to calculate your car’s accurate value.
- Submit to Insurance: Use the report to negotiate directly with your adjuster or invoke the Appraisal Clause in your policy to dispute the offer.
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Frequently Asked Questions:
- What is a Fair Market Value (Total Loss) Appraisal Report?
You’ll need your VIN, year/make/model, trim/options, current mileage, condition notes, ZIP code, photos (if available), the insurer’s offer or CCC valuation, and claim number/adjuster contact. This lets us match accurate, recent comparable sales and listings to your vehicle.
- How does a total loss appraisal help me dispute a low insurance offer
Our independent report documents your car’s fair market value using recent, regionally relevant comps and vehicle-specific adjustments. You can submit it to your adjuster or use it under the policy’s Appraisal Clause to formally dispute the offer.
- What is the Appraisal Clause and how do I use it for a total loss dispute?
The Appraisal Clause allows both you and the insurer to hire independent appraisers when you disagree on value. You present our report; if needed, each side’s appraiser selects an umpire to reach a binding value. Our team can guide you through the steps.
- How do you determine fair market value for a totaled vehicle?
We analyze recent sales and active listings of comparable vehicles within your market and time window, then adjust for mileage, trim, options, condition, and regional pricing. We do not rely solely on automated guides; we prioritize verifiable market data.
- How long does a total loss appraisal report take?
Most reports are delivered within same business day after we receive your details and the insurer’s valuation (if provided).
- How much does a total loss appraisal cost and do you offer a guarantee?
See current pricing here: SnapClaim Pricing. We back reports with a 100% Money-Back Guarantee if your claim is denied or your recovery is less than $1,000.
- Will insurers accept a SnapClaim total loss appraisal report?
Yes. Our reports are recognized nationwide by major insurance carriers, as well as by attorneys and courts. Many customers use the report to successfully negotiate higher payouts.
- What is my state’s total loss threshold, and does it affect my claim?
States use either a fixed Total Loss Threshold (e.g., 70–80% of value) or the Total Loss Formula (repair cost + salvage value ≥ market value). Check your state here: State Total Loss & DV Laws.
- What is the difference between a Diminished Value report and a Total Loss appraisal?
A Diminished Value report measures the loss in value after repairs when the car is not totaled. A Total Loss appraisal establishes the full fair market value when the vehicle is deemed a total loss. Learn more about DV here: Diminished Value Appraisals.
- Can my attorney or body shop use your total loss appraisal report?
Absolutely. We work with law firms, body shops & estimators, and claim professionals nationwide. Reports are formatted for insurance negotiations, arbitration, or court if needed.
- What if I already received a CCC valuation—should I still order a report?
Yes. CCC valuations can miss regional pricing or vehicle options. Our report independently verifies market value and often identifies higher, better-matched comps to support a stronger settlement.
- Do you cover luxury, classic, or rare vehicles for total loss valuation?
Yes—however timing can vary based on data availability. We’ll confirm eligibility first and advise on expected turnaround for specialty segments.
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Fair Market Value (Total Loss) Appraisal Reports
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