Your Insurer's Total Loss Offer Is Probably Too Low.
Insurance companies calculate total loss settlements using methods that systematically undervalue your vehicle. Get a certified Actual Cash Value appraisal from licensed adjusters — backed by real comparable market data — and know exactly what you're owed.
When your vehicle is declared a total loss, your insurer uses their own valuation system — CCC, Mitchell, or Audatex — to determine what they'll pay. These systems are designed to produce the lowest defensible number, not an accurate market value.
They cherry-pick comparable listings, apply arbitrary adjustments, and factor in "typical negotiation" — meaning they already assume you'll push back and build that into the initial offer. The result: most total loss settlements are $1,500–$4,000 below what the vehicle was actually worth in the open market.
An independent certified appraisal from MyFairClaim gives you the evidence to fight back — based on the same data your insurer uses, but applied without a profit motive.
How It Works
Three steps from purchase to certified appraisal report — most orders complete in under 5 minutes.
01
Choose Your Tier & Pay
Select Essential, Professional, or Premium based on how much support you need. Pay securely via Stripe — no account required.
02
Enter Your Vehicle Details
Provide your VIN, odometer reading, loss date, and your insurer's offer (if you have one). We pull the rest from MarketCheck automatically.
03
Receive Your Certified Report
Your Total Loss Appraisal Report lands in your inbox with the certified ACV, methodology, comparable vehicles, and your next steps.
Choose Your Appraisal Package
Every tier includes a certified ACV determination and market comparable evidence. Higher tiers add the tools and guidance you need to act on it.
Everything you need to know before you get started.
A total loss appraisal is an independent professional determination of your vehicle's Actual Cash Value (ACV) immediately before the loss occurred. It is performed by a licensed insurance adjuster or appraiser and is based on comparable market data — not the insurer's proprietary valuation software.
Yes. An independent appraisal is the standard evidence used to challenge a total loss settlement. If the gap between the insurer's offer and the certified ACV is significant, you can invoke the appraisal clause in your policy (1st party) or escalate to your state DOI or small claims court (3rd party).
Most standard auto insurance policies contain an appraisal clause that gives either party the right to demand an independent appraisal when there is a dispute over the amount of loss. Each party hires their own appraiser, and if they disagree, an umpire resolves it. Invoking this clause is one of the most effective ways to resolve a total loss dispute without litigation.
Most orders are processed automatically and the report is delivered to your inbox within 60 seconds of completing Step 2. A small percentage of orders require manual processing when VIN lookup returns no data — those are completed within 24 hours.
That's fine — leave the insurer offer field blank on Step 2. Your appraisal will still establish the certified ACV, which is exactly what you need before or during negotiation. Having the number before they make an offer puts you in a stronger position.
Know What Your Vehicle Was Actually Worth.
A certified appraisal takes minutes to order and gives you the evidence to negotiate from a position of fact — not guesswork.
Licensed adjusters · Real market data · All 50 states
MFC Support
Support Assistant
Hi! I'm the MyFairClaim support assistant. I can help you with questions about your reports, tools, tier differences, upgrades, and account access.📞 Prefer to talk? Call us: 1-602-935-4309What can I help you with today?
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