Pennsylvania · State Farm · 2021 Hyundai Tucson SEL AWD
How a Pennsylvania 2021 Hyundai Tucson SEL AWD valuation changed by $6,450
A Pennsylvania driver received an initial State Farm total-loss valuation of $16,400 for a 2021 Hyundai Tucson SEL AWD. After the vehicle, valuation inputs, and market evidence were reviewed, the documented result amount was $22,850—a difference of $6,450.
Case summary
- State
- Pennsylvania
- Insurer
- State Farm
- Vehicle
- 2021 Hyundai Tucson SEL AWD
- Insurer's initial valuation
- $16,400
- Documented result amount
- $22,850
- Difference
- +$6,450
What required a closer review
The owner’s loan balance reportedly exceeded the initial offer. That shortfall does not determine ACV, and The valuation question remains whether the Tucson SEL AWD was accurately identified and supported by the market evidence.
How the valuation was examined
Describe the verified review of the SEL AWD configuration, comparable vehicles, mileage, and condition. Do not say AutoACV “covered GAP” or eliminated the loan balance unless the financial records prove the exact result.
The documented result
The insurer's initial figure was $16,400. The verified result amount was $22,850, producing a $6,450 difference.
What this case illustrates
A loan balance and a vehicle’s ACV are different calculations. When the offer is below the balance, an accurate valuation becomes especially important, but debt alone does not increase ACV.
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.