Illinois · Liberty Mutual · 2018 Subaru Outback Limited
How a Illinois 2018 Subaru Outback Limited valuation changed by $8,740
An Illinois driver received an initial Liberty Mutual total-loss valuation of $16,200 for a 2018 Subaru Outback Limited. After the vehicle, valuation inputs, and market evidence were reviewed, the documented result amount was $24,940—a difference of $8,740.
Case summary
- State
- Illinois
- Insurer
- Liberty Mutual
- Vehicle
- 2018 Subaru Outback Limited
- Insurer's initial valuation
- $16,200
- Documented result amount
- $24,940
- Difference
- +$8,740
What required a closer review
The initial offer was tested against comparable 2018 Subaru Outback Limited vehicles reasonably similar in year, mileage, and equipment.
How the valuation was examined
AutoACV documented the subject vehicle's configuration, assembled comparable market evidence appropriate to that configuration, and organized the analysis into a reviewable independent value position.
The documented result
The insurer's initial figure was $16,200. The verified result amount was $24,940, producing a $8,740 difference.
What this case illustrates
The appraisal clause is a process for resolving a value disagreement; it is not itself proof that the insurer’s valuation was wrong. The strength of the market evidence still matters.
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.