Subject vehicle and configuration
The report identifies the subject vehicle by year, make, model, trim, mileage, drivetrain, engine, packages, factory options, and relevant condition notes. Direct identifiers such as VIN, plate, owner name, and claim number are removed in the public sample. Configuration matters because valuation errors most often begin with an incorrect trim or missing option. See why total loss offers come in low for the most common configuration mistakes.
Market overview and appraisal methodology
The report describes the relevant local retail market and states the sales-comparison methodology used to develop the opinion of value. Comparable selection is documented, and adjustments for options, mileage, and condition are applied on a line-item basis rather than a percentage discount. Insurer valuation reports from vendors such as CCC ONE, Audatex Autosource, and Mitchell are commonly reviewed against this methodology.
Market data analysis and comparable listings
Selected comparable vehicles are shown with year, trim, mileage, distance, asking price, option match, and adjustment notes. Comparables should be similar in year, make, model, trim, mileage, condition, title status, location, and availability. The Comparable Listing Appendix at the end of the report preserves the underlying listings the appraiser relied upon. See how comparable vehicles should be evaluated, and what evidence to gather before disputing a valuation.
Value reconciliation and concluded opinion of value
The Value Reconciliation section explains how the appraiser weighed the market data and configuration corrections to arrive at the concluded opinion of actual cash value. It does not simply state a higher number — it ties the conclusion to the evidence. For the underlying framework, see how to dispute actual cash value.
Assumptions, limiting conditions, and certification
The report closes with the scope and assumptions the appraiser relied upon, the limiting conditions under which the opinion is issued, and a signed certification attesting to independence and good-faith methodology. Customers may use an independent appraisal report to negotiate with the insurer, support a written rebuttal, or prepare for appraisal-clause proceedings where the policy allows. Learn more about working with an independent total loss appraiser.
Disclaimer: This report is an independent opinion of value provided for informational purposes only. It is not legal advice, not an insurance settlement, and does not guarantee any specific outcome.