Is your insurer's total loss offer fair?
When a California insurer totals your car, it must give you a valuation report showing how it calculated your settlement — usually from CCC ONE, Mitchell, or Audatex. These reports contain errors more often than you'd think: wrong trim, inflated mileage, comparable vehicles from the wrong market, unexplained condition deductions, and missing taxes and fees.
Upload photos or scans of your report and we'll check it against California's settlement rules (10 CCR § 2695.8) for free.
Upload report pages (photos or screenshots)
Your report is used only to generate this review. It is not shared and does not appear anywhere public.
What we check
- Vehicle identity: year, make, model, trim, and drivetrain against your VIN
- Mileage used vs. your actual odometer
- Factory options and packages credited
- Whether comparable vehicles are from your local market area
- Whether comparables are recent (within ~90 days)
- Condition deductions: itemized and explained, or lump sums
- Sales tax, license, and transfer fee components
- The 35-day reopening notice required on first-party settlements
- Whether the line items add up
This is an automated document review for informational purposes only — not legal advice, not an appraisal, and not a guarantee of any outcome. We flag items worth asking your adjuster about; we do not advise accepting or rejecting any offer.