Georgia · Allstate · 2019 Ford Explorer XLT 4WD
How a Georgia 2019 Ford Explorer XLT 4WD valuation changed by $7,290
A Georgia driver received an initial Allstate total-loss valuation of $17,600 for a 2019 Ford Explorer XLT 4WD. After the vehicle, valuation inputs, and market evidence were reviewed, the documented result amount was $24,890—a difference of $7,290.
Case summary
- State
- Georgia
- Insurer
- Allstate
- Vehicle
- 2019 Ford Explorer XLT 4WD
- Insurer's initial valuation
- $17,600
- Documented result amount
- $24,890
- Difference
- +$7,290
What required a closer review
The public description says the Explorer XLT was treated like a base model and that 4WD was ignored. The page should show the verified configuration mismatch and avoid adding unsupported option details.
How the valuation was examined
Describe how AutoACV established the XLT 4WD configuration and selected comparables reflecting both trim and drivetrain. Explain any adjustments only when they appear in the appraisal work file.
The documented result
The insurer's initial figure was $17,600. The verified result amount was $24,890, producing a $7,290 difference.
What this case illustrates
A correct model name is not enough when trim and drivetrain materially change the vehicle’s market comparison.
Disclosure
This case is based on a real AutoACV matter. Identifying details have been removed. Results depend on the vehicle, policy, evidence, market, and claim process; this example does not guarantee a similar outcome.