Don't Accept Their
First Offer. Fight Back.
When your car is totaled, State Farm, GEICO, Allstate, and Progressive want to pay as little as possible. Their opening offer is almost never fair. We challenge their ACV calculation and negotiate the true market value of your vehicle — and we don't stop until you win.
Our Process
How We Maximize Your Total Loss Settlement
The insurance company calculates your vehicle's Actual Cash Value using data that often underrepresents your local market. We counter with real comparables and fight for what's fair.
Obtain Insurance Offer
We review the insurer's total loss letter and their ACV calculation methodology in full.
Market Value Research
We pull comparable vehicle listings from your region, adjusted for condition, mileage, and optional equipment.
Counter With Evidence
We present a formal counter-offer backed by market data, comparable sales, and certified appraisal if needed.
Negotiate to Resolution
We engage directly with insurance adjusters and supervisors until an acceptable settlement is reached.
Typical First Offer
What We Challenge
Types
Three Ways We Fight for You
Actual Cash Value Dispute
Challenge the insurer's ACV calculation using real comparable listings from your local market. The most common and impactful type of total loss dispute.
Total Loss Declaration Challenge
Dispute whether your vehicle should have been declared a total loss at all. We commission independent appraisals to counter the insurer's damage assessment.
Salvage Value Negotiation
If you choose to keep your totaled vehicle, we negotiate the salvage deduction to ensure the insurer doesn't inflate it to reduce your net payout.
Coverage
We Negotiate Against
Every Major Insurer
Whether it's a household name or a regional carrier — if they owe you money, we go after it. No insurer is too big.
Don't see your insurer? We still fight for you →
FAQ
Common Questions
A vehicle is typically declared a total loss when the cost of repairs exceeds 70–80% of its Actual Cash Value (ACV). Each state has specific thresholds, and insurers like State Farm, GEICO, and Allstate sometimes use this to their advantage to pay you less.
Free Consultation
Still have questions?
Our certified appraisers are available to walk you through your specific situation at no cost.
Was Your Car Totaled?
Challenge their offer today. We negotiate total loss settlements on a contingency basis — no win, no fee.