Total Loss Report

Actual Cash Value for a totaled vehicle with insurance-grade evidence.

Total Loss Report

Actual Cash Value for a totaled vehicle with insurance-grade evidence.

At a glance


Price	$4.99 per run.
Tool name	`generate_total_loss_report`
Scope	`reports:total-loss`
Built for	Insurance Adjuster

What it does

Actual Cash Value (ACV) of a totaled vehicle immediately before the loss event, with insurance-grade comparable listing evidence (recently off-market listings in 100mi radius last 90 days, shown at last list price + active asking prices in 75mi). Uses off-market-exit primacy with a confidence band. All inputs are listed prices; negotiated transaction prices are not observable. Use when the user is an insurance adjuster or claimant needing the ACV on a totaled vehicle.

Arguments

Argument		What it is	Example
`vin`	Required	17-character vehicle identification number.	`1HGCV2F38LA000777`
`mileage`	Required	Vehicle mileage at the time of the loss event.	`78400`
`loss_date`	Required	Date of the loss event in ISO format (YYYY-MM-DD).	`2026-03-14`
`loss_zip`	Recommended	ZIP code where the loss occurred (or vehicle owner's home ZIP). Anchors the regional comparable pull. STRONGLY RECOMMENDED, defaults to 90210 if absent, producing wrong regional data.	`30309`
`condition`	Optional	Pre-loss vehicle condition: Clean, Average, or Rough. Biases the ACV range.	`Average`
`options_value_usd`	Optional	Aftermarket additions or premium options that should add to ACV.	`1200`
`is_certified`	Optional	Tick this if the vehicle was CPO (certified pre-owned) at the time of loss.	`false`
`adjustments`	Optional	Itemized appraiser adjustments, one per line as "label, +/-amount" (e.g. "Two tires, -400" or "Aftermarket wheels, +800"). Applied over the market-derived base value as an explicit adjustments table.	`Two tires, -400`
`appraiser_name`	Optional	Appraiser or preparer name for the certification block. Defaults from the appraisal profile in account settings on appraisal-flavored runs; a value typed here always wins.	`Jane Smith, ASA`
`appraiser_license`	Optional	License or credential shown with the preparer name. Defaults from the appraisal profile in account settings.	`UT Lic. 12345`
`client_name`	Optional	Client the appraisal is prepared for (renders in the certification block).	`Acme Insurance`
`file_number`	Optional	Claim / file / stock reference number for the certification block. Leave blank to auto-assign the next number in your account's own series (e.g. ACME-2026-0007; set the prefix in account settings) whenever appraiser fields are used.	`CLM-2026-0417`
`exclude_vins`	Optional	Comparables to EXCLUDE (comma or newline separated VINs). They are dropped from every pool before valuation and listed as considered-and-rejected.

What comes back

Vehicle specs
Actual Cash Value (ACV)
Regional comparable transactions
Regional adjustment
Condition adjustment
Evidence summary

Asking for it in a chat client

Process a total-loss claim. VIN 4T3R6RFV7MU015349, 42,800 miles, loss date 2026-05-20, loss ZIP 60601, average condition.

What's the ACV on this totaled 2021 RAV4? VIN 4T3R6RFV7MU015349, 40,000 miles, totaled 2026-05-10 in 60601.

Running it from a backend

Grant an agent the reports:total-loss scope, then call the tool over MCP:

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "generate_total_loss_report",
    "arguments": {
      "vin": "1HGCV2F38LA000777",
      "mileage": 78400,
      "loss_date": "2026-03-14"
    }
  }
}

See Server-side access for the token exchange and how to read the response.