The Car Is a Total Loss. Review the Valuation Before You Respond
Build a total-loss valuation review record. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-preparation aid, not insurance or legal advice. It cannot calculate a binding settlement, determine a vehicle's legal value, or promise a payment.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete local run in this browser, with no account or upload; the tool does not transmit what you enter. Optional $4 one-time convenience unlock for unlimited runs of this tool on this browser; never a subscription. The protective answer and every free-path step remain free.
Rule status (state route): State route, checked 2026-10-10: total-loss valuation, appraisal clauses, and claim procedures depend on the policy and state. NAIC directs consumers to state insurance departments; this record states no nationwide settlement formula.
Automated decision this documents: an insurer's automated or third-party vehicle valuation used in a total-loss offer, if one was used
Free path, in order (no cost):
The insurer's claim representative and written valuation-correction or appraisal process
Your state insurance department's consumer-services route (NAIC state directory)
A state or local consumer-protection office for a complaint-routing question
What this cannot do: It cannot calculate a binding settlement, determine a vehicle's legal value, or promise a payment.
Sources checked 2026-10-10 · first-party source pages fetched and reviewed; no separate raw HTTP-status probe.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time