Their offer
Total-loss dispute, done yourself
The software that valued your car usually lowballs. Its own report shows where.
We read the same valuation report your insurer used, CCC, Mitchell or Audatex, and turn its own numbers into a counter-offer you can send.
PDFyour-report.pdf
Free
60-second check
No sign-up
We read your report, show you the gap, and never keep the files.
If your offer already holds up, we’ll tell you that too, at no cost. See an example package →
REAL EXAMPLE
CCC · valuation report
Market value (from comps)$9,017
Condition adjustment FLAGGED−$412
‘Negotiation’ discount FLAGGED−$188
Prior-damage estimate FLAGGED−$173
THEIR OFFER
$8,244
REPORT SUPPORTS
$9,017
RECOVERED ON THIS REPORT
+$773
How it works
1
Upload the insurer’s report
The valuation PDF behind your offer: CCC, Mitchell, Audatex, and most others.
2
We find where the software shorted you
Blanket condition cuts, phantom “negotiation” discounts, stale comps, and deductions on your own car that don’t hold up.
3
Get a ready-to-send counter-offer
The letter, the comps, and every source. $49, only if there’s a real gap. You send it.
◆Regulators and courts have challenged these exact adjustments for years. Every flaw we flag links to the record.
1Upload
2Review your gap
3Get your package
PDFyour-report.pdf
Checking your report…
- Reading the valuation report
- Rebuilding the insurer's own math
- Finding the gap and the flaws
Corrected value
Documented gap
Thinking it over? Email yourself this result.
The summary plus a link that brings this page back for 7 days. One email, nothing else.
What we found
Your insurer used software to decide what your car was worth. We rebuilt that math from the report they sent. Here's where the problems live.
The specific flaw in each area, what it's worth, and the exact wording to challenge it are in the package.
Where the corrected value comes from. It's your report's own comparables with the unsupported deductions removed. Same input, same math, same result, every time. See the math on a full example →
These aren't novel arguments. The adjustment types we flag are ones regulators and courts have challenged, including a county DA complaint over condition adjustments and settlements with State Farm, American Family, and PEMCO over negotiation adjustments. The record →
We don't invent gaps. If the report's math had supported your offer, this screen would say so, free. Questions before you decide? support@gettruetotal.com
The letter you'd send
Preview
Built from your report and your figures. The full letter argues every point above and cites your state's rules where they apply. See a complete example package →
Your full dispute package
Everything you need to send back a grounded counter-offer, ready to review and mail yourself.
$49
one-time
- The specific flaw behind each problem above, with its dollar effect
- A counter-offer letter built from the report's math, ready to review and send
- How to send it, what to expect back, and the next step if they lowball or go silent
- Comparable listings where they support your case, and your state's rules linked where they apply
What happens after you send it: you email or mail everything yourself, and the letter asks for a written response within 10 business days. Realistic outcomes are a revised offer, a point-by-point pushback, or silence. The package includes the next move for each, through your state's complaint portal and, where your policy provides it, the appraisal clause. How disputes usually play out →
We hit a snag
Offer looks fair
Based on the report's own math, your offer holds up.
Their offer
Report's own math supports
We rebuilt the valuation line by line and didn't find a documented gap in your favor, so there's nothing to dispute and nothing to buy here. If you think something specific is off, our guides walk through how these reports work and what to look for.
What you get
Free to check. $49 to dispute.
No subscription and no sign-up to see your gap. You only pay when there's real money on the table.
Free gap check
$0
Whether there's a gap, what it comes to, and which parts of the report drive it. If your offer already holds up, we'll tell you that free, in full.
- Your total estimated gap
- The problem areas, counted and named
- An honest "not worth it" if it holds up
EVERYTHING YOU NEED
Full dispute package
$49 · one-time, pay only if there's a gap
A plain-English breakdown and a counter-offer letter built from the report's own math, every figure tied to a line in the report you were sent.
- Counter-offer letter, ready to send
- The specific flaw behind each problem, with its dollar effect
- How to send it, and the next step on a lowball or silence
- Comparable listings where they support your case
- Your state's total-loss rules, where they apply
Check my offer to start →
Secure checkout · no account required
✓Reads CCC, Mitchell & Audatex reports
✓Grounded in your state's total-loss regulations
✓Targets deductions regulators and courts have challenged
✓Your documents stay private. We never keep your file
Learn
Know what your offer should be before you accept it
Plain-English guides to reading your valuation report, the adjustments that quietly cost you, and the rules your insurer has to follow in your state.
How to dispute a total-loss offer
The full walkthrough: the five flaws, how to check them, and how to counter in writing.
Read your CCC valuation report
A section-by-section decoder so you know exactly what each number means.
The condition-adjustment trap
Why a blanket condition deduction on every comp usually does not hold up.
The “typical negotiation” markdown
The discount you never agreed to, and the settlements that challenged it.
Write a counter-offer letter
How to structure a letter that leads with the report's own math.
Total-loss laws by state
What your insurer must do where you live, with the exact rule.