The total-loss file: clean-title comparables, the branded-title markdown, and the gap to the carrier offer.
$4.99 per run
Is the carrier's total-loss offer below what similar cars were listed at when they sold?
Ask Claude or ChatGPT where a carrier's offer sits against cars like the insured's that left US dealer websites, and get monthly statistics with the priced sample behind every figure. The questions below show the prompts in order, with the results to put in front of the carrier.
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Last updated , from the Aug 2026 data month. Every price is the advertised asking price when the car left the dealer's website, never what it sold for.
Where does the carrier's offer sit in the market band for the insured car?
In Aug 2026, 2021 Honda Accord Sports in California listed between $20,406 and $24,149 on 95 priced sales, so an offer under $20,406 sits below three in four comparable asking prices. Ask for the insured car's band in its state (low end, median, high end and 95th percentile), then six months of it.
- Prompt
What were used 2021 Honda Accord Sports listed at when they sold in California in August 2026? Give the low end, median, high end and 95th percentile.
What came back
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What came back: Band the insured car Month Units sold Priced sales Low end asking price Median asking price High end asking price 95th percentile asking price Median odometer Aug '26 102 95 $20,406 $22,485 $24,149 $28,707 73,975 What to do with it: Half of the 95 priced sales listed between $20,406 and $24,149 around a $22,485 median, and the top 5 percent above $28,707. An offer under $20,406 sits below the asking price of three in four comparable cars.
- Follow-up prompt, in the same chat
Show the same band for each of the six months to August 2026.
What came back
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What came back: Show six months, not one Month Priced sales Low end asking price Median asking price High end asking price Median odometer Aug '26 95 $20,406 $22,485 $24,149 73,975 Jul '26 67 $20,080 $22,079 $24,999 77,729 Jun '26 89 $21,133 $23,284 $24,999 70,329 May '26 88 $20,886 $22,999 $24,923 70,853 Apr '26 101 $20,999 $22,891 $24,992 68,416 Mar '26 82 $20,921 $22,692 $24,727 67,160 5 of 6 rows
What to do with it: The median stayed between $22,079 and $23,284 for six months, on 67 to 101 priced sales a month, so the band holds beyond a single month.
Start this inClaude (new tab, the first prompt copied)orChatGPT (new tab, the first prompt copied)and paste the next prompts in the same chat.
Did the carrier's comparables carry more miles than the insured car?
If they did, the offer is low by the gap between the two mileage bands. In Aug 2026, 2020 Toyota Highlander XLEs with 30,000 to 50,000 miles listed at a $32,074 median nationally, against $28,705 at 70,000 to 90,000 miles: $3,370 apart. Band the insured car's mileage, then the comparables' mileage.
- Prompt
The insured 2020 Toyota Highlander XLE had 40,000 miles. What did 2020 Highlander XLEs with 30,000 to 50,000 miles list at nationally in August 2026? Give the low end, median and high end.
What came back
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What came back: Band the insured car's mileage Month Units sold Priced sales Low end asking price Median asking price High end asking price Median odometer Aug '26 45 45 $30,990 $32,074 $34,900 42,940 What to do with it: 45 priced sales at 30,000 to 50,000 miles put the median at $32,074, between $30,990 and $34,900.
- Follow-up prompt, in the same chat
The carrier's comparables had about 80,000 miles. Show the same car with 70,000 to 90,000 miles.
What came back
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What came back: Band the carrier's comparables Month Units sold Priced sales Low end asking price Median asking price High end asking price Median odometer Aug '26 104 102 $27,289 $28,705 $29,995 78,594 What to do with it: At 70,000 to 90,000 miles the median was $28,705 on 102 priced sales, $3,370 below the insured car's band: ask the carrier to adjust its comparables to the insured car's odometer.
Start this inClaude (new tab, the first prompt copied)orChatGPT (new tab, the first prompt copied)and paste the next prompts in the same chat.
Did the insured's higher trim list higher than the base trim the carrier used?
Yes. In Aug 2026, 2021 Ford F-150 Lariats listed at a $36,905 median in Florida against $25,485 for the XL, $11,420 apart, and nationally the gap was $10,010. Rank the model year's trims with the low end and high end in the insured's state, then nationally.
- Prompt
For 2021 Ford F-150s that sold in Florida in August 2026, show the three best-selling trims with the low end, median and high end asking price.
What came back · Aug '26
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What came back: Rank the trims in the state, Aug '26 Trim Units sold Priced sales Low end asking price Median asking price High end asking price Median odometer XLT 120 117 $28,969 $31,999 $36,194 79,549 Lariat 59 58 $33,925 $36,905 $39,861 76,155 XL 56 51 $20,874 $25,485 $28,334 87,034 What to do with it: The Lariat listed at a $36,905 median against $25,485 for the XL, $11,420 apart at similar odometers (76,155 miles and 87,034 miles). Hold the carrier to comparables on the insured's trim.
- Follow-up prompt, in the same chat
Now the same XLT, Lariat and XL trims nationally, to show the gap is not a Florida quirk.
What came back · Aug '26
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What came back: Confirm the gap nationally, Aug '26 Trim Units sold Priced sales Low end asking price Median asking price High end asking price Median odometer XLT 1,569 1,461 $28,144 $32,096 $35,111 78,485 Lariat 804 758 $32,995 $37,191 $40,684 76,690 XL 798 728 $23,181 $27,182 $30,625 83,984 What to do with it: Nationally the Lariat sat $10,010 above the XL on 1,486 priced sales between them, against $11,420 in Florida, $1,410 apart.
Start this inClaude (new tab, the first prompt copied)orChatGPT (new tab, the first prompt copied)and paste the next prompts in the same chat.
Did the carrier use comparables from an older model year?
Then the offer is low by about one model year's gap. In Aug 2026, used Honda Pilot EX-Ls listed at a $25,900 median for 2021 and $23,781 for 2020 nationally, $2,120 apart, and every newer year listed higher. Line up the model years and hold the carrier to the insured car's year.
Prompt
For used Honda Pilot EX-Ls that sold nationally in August 2026, show model years 2019 to 2022 side by side: low end, median and high end asking price and the median odometer.
What came back · Aug '26
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| Model year | Units sold | Priced sales | Low end asking price | Median asking price | High end asking price | Median odometer |
|---|---|---|---|---|---|---|
| 2022 | 125 | 121 | $26,568 | $28,426 | $30,848 | 60,502 |
| 2021 | 253 | 239 | $23,759 | $25,900 | $27,997 | 72,424 |
| 2020 | 288 | 278 | $21,135 | $23,781 | $26,192 | 82,679 |
| 2019 | 359 | 330 | $19,106 | $21,577 | $24,091 | 91,721 |
What to do with it: The median rose from $21,577 for a 2019 to $28,426 for a 2022, about $2,280 for each newer model year, with the odometer falling from 91,721 miles to 60,502 miles: an insured car valued on older comparables loses that step.
Run this inClaude (new tab, the first prompt copied)orChatGPT (new tab, the first prompt copied)with the prompt filled in.
Were the carrier's comparables pulled from a cheaper state?
In Aug 2026, 2021 Toyota RAV4s listed at a $27,998 median in Pennsylvania against $26,998 in New Jersey, so New Jersey comparables understate a Pennsylvania value. Ask for the insured car's model year in its own state and the neighbors the comparables came from, then three months of the two that matter.
- Prompt
For 2021 Toyota RAV4s that sold in August 2026, compare Pennsylvania with New Jersey, New York and Connecticut: low end, median and high end asking price and the median odometer.
What came back · Aug '26
$3.00 per call (1 call unit)
What came back: Compare the neighboring states, Aug '26 State Units sold Priced sales Low end asking price Median asking price High end asking price Median odometer Thin sample PA 86 81 $25,385 $27,998 $30,489 65,384 No NY 100 96 $26,089 $27,883 $29,991 56,597 No NJ 61 55 $24,492 $26,998 $28,991 71,802 No CT 29 26 $26,600 $28,355 $29,996 62,540 Yes What to do with it: Pennsylvania's $27,998 median sat $116 above New York and $1,000 above New Jersey; the Connecticut row is thin, so leave it out. Ask the carrier which state its comparables came from.
- Follow-up prompt, in the same chat
Show Pennsylvania against New Jersey for each of the three months to August 2026.
What came back
$3.00 per call (1 call unit)
What came back: Show the gap over three months Month State Units sold Priced sales Median asking price Median odometer Aug '26 PA 86 81 $27,998 65,384 Aug '26 NJ 61 55 $26,998 71,802 Jul '26 PA 80 74 $27,805 66,508 Jul '26 NJ 64 59 $27,750 61,199 Jun '26 PA 82 80 $28,221 65,639 Jun '26 NJ 51 43 $26,989 57,029 5 of 6 rows
What to do with it: Pennsylvania listed above New Jersey in all 3 months, by $55 to $1,232: put the monthly rows in the file so the gap reads as a pattern across months.
Start this inClaude (new tab, the first prompt copied)orChatGPT (new tab, the first prompt copied)and paste the next prompts in the same chat.
More questions
Are these the prices buyers paid?
No. Every price is the advertised asking price when the car left the dealer website; the negotiated price is private and is not in the data. Cite the figures as listing evidence, with the month and the priced sample beside each one.
How do I read the low end and high end?
The low end is the asking price a quarter of comparable cars listed under; the high end, the one a quarter listed over. An offer under the low end sits below the asking price of three in four comparable cars, and the 95th percentile marks the top 5 percent.
How many sales back each figure?
Every row states its units sold and its priced sample, the sales with an asking price behind every price figure. A row on fewer than 30 priced sales is marked as a thin sample: read it as a direction only. Widen to the model year without the trim, or to the neighboring states, and say so in the file.
What does a call cost?
$3.00 per call unit, paid from your prepaid balance and only after a successful call; a refused or failed call costs nothing. Every prompt on this page is 1 unit ($3.00), so all 9 prompts come to 9 units ($27.00).
How current is the data?
It is monthly, and each month lands one to two months after it ends, so date every figure to its data month when you send it. The examples on this page are from Aug 2026. It covers US dealers only, back to January 2021, at most 12 months per call.
How do I get started?
Add the MarketCheck AI Desk connector to Claude or ChatGPT; it is free to add, and ChatGPT works on Free accounts too. Then paste a prompt from this page or ask in your own words, and each call is charged to your prepaid balance only when it succeeds.
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Use cases for other segments
Dealers and remarketing
- Used-car dealersFind the models that clear fastest in your state and the sellers that outsell you in your city, with the asking price for each.
- Dealership groupsRank your group against its rivals state by state, and find the markets that turn a franchise fastest before you bid.
- Auctions and remarketingSee where a model lists highest at retail, check run-list demand and buyers, set reserves on falling models and time a consignment.
- Wholesale buyers and exportersSet a bid from the retail asking price, and see who retails a model and where it lists lowest and highest.
- Fleet and rental remarketingTime the sale of late-model fleet units and pick the states and channel that list them highest, with what each 10,000 miles costs.
- Auto brokers and car-buying servicesSee which new cars and trims list furthest below sticker, and where the used car your client wants lists for less.
Claims and valuation
- Independent appraisersBand an exact year, model and trim, then back each adjustment (mileage, 4WD, transmission, location and time) with dated figures.
- Insurance adjustersDated evidence of what vehicles like the insured's were listed at when they sold, even in a thin state, and how the market moved since.
- AttorneysDated, cited market statistics for a vehicle's value on a past date, and for overpricing, price-spike and odometer claims.
Shoppers, sellers and press
- Car shoppersKnow a fair asking price, whether the higher trim is worth it, where prices are heading and what sells fastest near you.
- Private sellersPrice your own car against what cars like it were listed at when they sold at dealers, and pick the month and mileage to sell.
- Automotive journalistsCite what sold, how used prices moved, the EV share, state gaps and seasonal patterns, with the sample size behind every figure.
What the tool returns, the price of every request shape and its limits: Sold Market Data. The reports built for public adjusters: Public Adjuster Desk.
Ask your own sold-market questions
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