Your insurer sent a valuation report. We check it line by line.
A total-loss offer is built from a report: comparable cars, price adjustments, deductions. One wrong trim or an unexplained deduction moves the number. Wrecktotal tests each line against current local listings and drafts the letter that asks the adjuster to explain or fix it.
Nothing is charged today. We email you when reports open.
Sample with made-up numbers
Total loss valuation: 2017 midsize SUV, EX trim
96,000 miles. Insurer offer: $13,950. Tap a marked line.
Line in the insurer's reportAmount |
|---|
Average of 3 comparable cars$16,420 |
Mileage adjustment−$850 |
Offer$13,950 |
$1,100in this line that is worth asking about. The adjuster may or may not agree.
Seven things we check in the report
We do not produce a competing valuation. We audit the one you were given, because that is the document the adjuster has to defend.
- Trim and optionsDoes the report value your actual trim, or a cheaper one? Missing options are common.
- Mileage adjustmentIs the adjustment consistent with how listings of your car price mileage nearby?
- Comparable carsDistance, age, trim, and whether they are active listings you could actually buy.
- Condition deductionIs a deduction shown, and does the report say what it is based on?
- Projected sold adjustmentA percentage taken off listing prices. We flag it and ask for the basis.
- Tax, title and feesMany states expect these on top of the vehicle value. Rules differ, so we point to your state's.
- Prior damageWhether a deduction for earlier damage is supported by anything in the report.
How it works
About 10 minutes of your time. You need the valuation report. If you do not have it, you can ask the adjuster for a copy, and the report helps you write that request.
- Enter your car and upload the report
VIN, mileage, ZIP, and the insurer's valuation report as a PDF or photos.
- We test each line
We pull current listings near you and check every line against them. Where we cannot verify a line, we say so.
- You get an audit and a letter
A marked-up line list, the listings behind it, and a letter you send to the adjuster yourself.
What you get
- The report with every line marked: supported, questionable, or could not verify
- The local listings we used, with links
- A plain-language letter asking the adjuster to explain or correct the questioned lines
- A short list of questions to ask your state's insurance department
The letter, in the sample above
"The report values my vehicle as a base LX. It is an EX. Please provide the basis for the trim used and re-run the valuation with the correct trim. Please also explain the −$900 condition deduction and the −$720 projected sold adjustment."
Sample wording with made-up numbers. You send it. We do not contact your insurer.
Where this fits
Wrecktotal is the first look, at a flat price. Bigger gaps may call for a licensed professional. We tell you when we think that is the case.
| Wrecktotal | Licensed appraiser or public adjuster | Doing it yourself | |
|---|---|---|---|
| What you get | A line-by-line audit of the insurer's report, plus a letter | Professional work on your claim, depending on the service | Whatever you find and write |
| Price | $39 flat, planned | Varies; ask for the fee structure before you sign | Your time |
| Takes a share of your payout | No | Some do. Ask. | No |
| Negotiates for you | No. You send the letter. | Some do, where licensed | You do |
Why a second look is reasonable
- 23.1%
- of auto claims were total losses in 2025, a record, according to CCC.CCC Crash Course 2026
- ~$3,500
- average amount insurer values were below the appraised value in 700+ Texas appraisal proceedings. These were disputed cases, so they are not typical claims.Repairer Driven News
- 25%
- of total-loss customers with a loan received less than they still owed, per J.D. Power's 2026 study.Autobody News on J.D. Power
What this is, and is not
Wrecktotal is a self-serve audit tool. We are not an insurer, a licensed appraiser, a public adjuster or a law firm. We do not negotiate for you, we do not take a percentage of your payout, and this is not legal advice. The adjuster may still disagree with the audit.
Some states let you request the valuation report; for example Washington (WAC 284-30-391). Oregon's insurance regulator advises against cashing a check marked "full and final settlement" while you are still in dispute (Oregon DFR). Check your own state's rules and your policy.
Questions
What does it cost?
$39 per report, one time. The early price is locked for anyone who orders before launch ends. You pay on Stripe after you tell us about your car. Nothing recurs. If we cannot produce a useful audit, or the report is later than 2 business days, you get a full refund.
Is this an appraisal?
No. It audits the insurer's report against public listings. Some policies let you invoke a formal appraisal process with a licensed appraiser; ask your insurer or your state's insurance department how that works.
What if you cannot verify enough lines?
We tell you which lines we could not check, and you are not charged if we cannot produce a useful audit. Rare or very old vehicles may not have enough local listings.
Will this raise my offer?
We cannot promise that. The audit shows where the report looks wrong or unsupported. The adjuster decides whether to change the number.
What do you do with my information?
On this page we collect only your email and the vehicle and offer details you choose to enter. We use them to prepare and deliver your report and to contact you about your order. Payment is handled by Stripe; we never see your card. We do not sell them.
Check the report before you sign anything
Secure payment by Stripe. Report by email within 2 business days, or your money back.