Start with the valuation report
The settlement number is only the end result. The important question is how the report reached that number.
Common areas to review
- Comparable vehicles that do not closely match your vehicle
- Missing trim, options, packages, or equipment
- Mileage adjustments
- Condition adjustments and their support
- Local market evidence and comparable availability
- Applicable taxes and fees
An independent review
An independent appraisal can organize the evidence and identify valuation issues that may warrant further review. Every claim is different, and an appraisal does not guarantee that an insurer will change its valuation.