A step-by-step guide to challenge lowball offers, understand your rights, and avoid leaving thousands of dollars on the table.
You're Standing in the Middle of a Data-Driven Robbery
You didn’t plan for this.You’re being rushed to accept an offer.The valuation “looks official,” but you don’t know what’s missing.Once you accept, you usually can’t go back.
Totaled Car Help
✓ Instant PDF Download
✓ Works in All 50 States
✓ Average Increase: $1,500-$3,700The exact scripts, worksheets, and state-by-state guide
to force them to recalculate—and pay what your car is actually worth.
Most People Leave $2,000-$5,000 on the Table
Insurance companies use software (CCC One, Mitchell) that makes three predictable mistakes on almost every total loss valuation:Trim Level Errors – The algorithm pulls "comparable vehicles" that are actually lower trims. A Honda Accord Sport gets compared to base LE models. That's $3,000-$5,000 you'll never see.Average Condition Default – Even if your car was detailed last month with new tires and brakes, the software marks it "Average" unless you prove otherwise. That's a $500-$1,500 automatic deduction.Sales Tax Calculation – They use a generic state rate (6%) instead of your actual combined rate (state + county + city). In California, New York, Illinois? You're losing $1,500-$2,500.The adjuster isn't trying to cheat you. They're just following what the computer says. But the computer doesn't know your car had a $4,200 tech package or 98% battery health or 18,000 miles instead of 75,000.That's where this toolkit comes in.
You Just Lost Your Car. Don't Lose Thousands More.
You don't need to be confrontational. You don't need to understand insurance law. You just need to show them the data—in the right format, with the right words.The toolkit gives you both.
We can’t guarantee you’ll experience the same results, but the examples outlined here are real composite examples based on real total loss negotiations from 2024-2026.
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Please note the information provided is for educational and information purposes only. All effort has been expended to present accurate, up-to-date, and reliable, complete information. No warranties of any kind are declared or implied.
We look forward to helping you navigate your claim!Email: support [@] totaledcarhelp.com