A strong total loss dispute needs more than screenshots. AutoACV appraisal reports organize vehicle data, comparable market evidence, valuation report issues, and an independent actual cash value opinion into a format that can be sent to an insurer or used in an appraisal clause dispute.
Sample report sections
Every AutoACV independent total loss appraisal report is organized into the same evidence-driven sections.
Section
What it contains
Vehicle identification
Year, make, model, trim, redacted VIN, mileage, drivetrain, engine, title status, factory options, and packages.
Insurer valuation report reviewed
Vendor (CCC ONE, Audatex Autosource, or Mitchell), report date, base value, condition rating, comp set, and the insurer's first written ACV offer.
Comparable vehicle table
Active local market listings with year, trim, mileage, distance, asking price, option match, and adjustment notes.
Valuation errors found
Trim mis-identification, missing factory options, stale or non-local comps, unsupported condition deductions, mileage adjustment issues, drivetrain mismatch, regional market mismatch.
Independent ACV opinion
AutoACV's value conclusion with a written reconciliation tying market evidence and corrected configuration to the final number.
Appraisal clause support notes
Notes for invoking the policy appraisal clause: certified-mail demand template, appraiser selection guidance, and umpire process summary where applicable.
A downloadable redacted PDF sample can be added once approved.
What this sample report shows
This page explains the typical structure of an AutoACV total loss appraisal report. It is designed for vehicle owners who received a low total loss offer and want to understand what an independent appraiser reviews before giving an ACV opinion.
The sample uses redacted, illustrative data only. No real customer personal information is shown.
Vehicle identification and configuration
The report identifies the vehicle by year, make, model, trim, VIN or redacted VIN, mileage, drivetrain, engine, title status, packages, factory options, and relevant condition notes.
This section matters because valuation errors often begin with incorrect vehicle configuration. See why total loss offers come in low for the most common configuration mistakes.
Insurer valuation report review
The report summarizes the insurer's valuation report, including the vendor when known — for example CCC, Audatex Autosource, or Mitchell. It identifies missing options, trim errors, condition issues, mileage adjustments, comparable vehicle problems, and unsupported deductions.
Comparable vehicle analysis
The report includes selected comparable vehicles and explains why they are relevant. Good comparable vehicles should be similar in year, make, model, trim, mileage, condition, title status, location, and availability.
Comparable vehicle
Location
Mileage
Asking price
Trim / options match
Adjustment notes
Why it is relevant
2021 Sample SUV LTD AWD
Same metro, 12 mi
38,420
$32,495
Trim + options match
Dealer listing, available
Closest configuration and local market
2021 Sample SUV LTD AWD
Same metro, 24 mi
41,180
$31,900
Trim match, missing tow pkg
+$650 option adj.
Strong local comp after option adj.
2022 Sample SUV LTD AWD
Adjacent metro, 58 mi
29,500
$34,250
Newer model year
−$1,200 year adj.
Supports upper market bound
2021 Sample SUV LTD AWD
Same state, 92 mi
44,000
$30,750
Trim match
Available, retail
Confirms local floor
Independent ACV opinion
The report explains the appraiser's ACV opinion and how it was reached. It does not simply list a higher number. It connects the value conclusion to market evidence, vehicle configuration, and valuation report corrections. See how to dispute actual cash value for the underlying methodology.
How the report can be used
Customers may use an independent appraisal report to negotiate with the insurer, support a written rebuttal, or prepare for appraisal clause proceedings if the policy allows it. Learn more about working with an independent total loss appraiser.
Disclaimer: This report format is provided for informational purposes only. It is not legal advice and does not guarantee any specific settlement outcome.
Frequently asked questions
A total loss appraisal report typically includes vehicle identification, trim and option review, mileage and condition analysis, comparable vehicle research, valuation report issues, and an independent actual cash value opinion.
Yes. Many customers send an independent appraisal report as support for a written rebuttal or appraisal clause demand. The insurer's response depends on the evidence, policy, and claim facts.
No. A sample report is only an example of report structure. Actual results depend on vehicle data, market evidence, policy language, insurer response, and state-specific rules.
Yes. AutoACV can review valuation reports from CCC, Audatex Autosource, Mitchell, and other systems to identify possible valuation issues.
