How are the comparables chosen?

The worksheet pulls like-for-like active listings matched on configuration through the VIN pattern and banded to the subject odometer, each with a match percentage and an installed-options similarity percentage. It selects about three by default; you can tick, untick, hide, sort and re-pick any of them on the page and the math follows. Comparables under a 70% match are never picked automatically.

Are the comparable prices verified?

Yes. Every comparable price is read off the selling dealer’s own page with documentation and dealer fees stripped out, and a full-page snapshot of the listing is saved with the worksheet. When the carrier says the comparable is gone, it is still in your file. A comparable also needs at least four real photos to qualify.

Can I control the search radius?

Yes. The radius is National by default: the search starts at 25 miles and widens through 50, 100, 250, 500 and 1,000 miles to nationwide only while the pool is thin. Choose 50, 100, 250, 500 or 1,000 miles on the run form and the worksheet stays inside it and says so on the page.

Can I change the worksheet after the run without paying again?

Comparable picks, the per-mile rate, additions and deductions, price corrections and the carrier offer are free edits on the hosted page, and the Excel and PDF follow. Changing the VIN, odometer, ZIP or radius is a re-run: within 30 days of a full-price run the same worksheet costs $0.99, up to three times.

What do I hand the client or the carrier?

A branded Excel workbook with your name, licence and file number, a PDF of the page, and a locked read-only copy that shows only the comparables you kept. Prices are listed prices throughout; the worksheet says so.

All reports

For Independent Appraiser For Public Adjuster For Claims Attorney

Actual cash value worksheet built from verified comparables

Hand-picked comparables to a defensible actual cash value, with the branded Excel appraisers share.

What you get

Nearest matching comps with match %, options similarity %, and distance per comp
Every comp price verified on the dealer page (doc and dealer fees excluded), with a full-page evidence snapshot
Interactive selection plus an excluded-comps tab: the worksheet recalculates live and your changes save
ACV math: average of selected asks, mileage adjustment with a market-implied rate suggestion, ACV, additions/deductions, TOTAL ACV pre-tax
Market value difference from the insurance carrier offer
Branded Excel export and a locked read-only copy to hand the consumer

See a sample report

You provide

Required

VIN
17-character vehicle identification number.
Worksheet size
3 Comp Report or 4 Comp Report: how many comparables the worksheet selects and averages by default (3 unless you choose 4).

Recommended (improves accuracy)

Miles
Current odometer reading.
ZIP
ZIP code of the loss/appraisal market.
Comparable search radius
How far from the ZIP to look for comparables.

Optional (13)

Comparable model years
Insurer offer (USD)
Mileage cost per mile
Select comps
Exclude VINs
Adjustments
Appraiser name
Appraiser license
Client name
Consumer name
Consumer address
Consumer phone
File number

What your assistant shows back

The interactive report Claude and ChatGPT show in the chat, built on live MarketCheck data. Every run also returns a shareable link to the same report.

You

Build an ACV worksheet for VIN 3GNAXYEX1KS562965, 41,500 miles, ZIP 48124. The insurer offered $16,000.

Claude

via MarketCheck data

Try a prompt in Claude or ChatGPT

Each one opens a new chat with the prompt filled in. Swap in your own details.

Build an ACV worksheet for VIN 3GNAXYEX1KS562965, 41,500 miles, ZIP 48124. The insurer offered $16,000.
Open in Claude Open in ChatGPT
The carrier offered $21,500 on my totaled truck, VIN 3C63R5SL3TG153504, 13,214 miles, ZIP 48124. Is that fair? Prepare the worksheet.
Open in Claude Open in ChatGPT

Who runs the ACV (Actual Cash Value) Worksheet

Independent auto appraisers preparing an actual cash value file for a client.
Public adjusters and attorneys arguing a carrier offer up with evidence the other side can check.
Anyone who needs to certify a value from hand-picked comparables rather than a black-box number.

Before you run it

How are the comparables chosen?: The worksheet pulls like-for-like active listings matched on configuration through the VIN pattern and banded to the subject odometer, each with a match percentage and an installed-options similarity percentage. It selects about three by default; you can tick, untick, hide, sort and re-pick any of them on the page and the math follows. Comparables under a 70% match are never picked automatically.
Are the comparable prices verified?: Yes. Every comparable price is read off the selling dealer’s own page with documentation and dealer fees stripped out, and a full-page snapshot of the listing is saved with the worksheet. When the carrier says the comparable is gone, it is still in your file. A comparable also needs at least four real photos to qualify.
Can I control the search radius?: Yes. The radius is National by default: the search starts at 25 miles and widens through 50, 100, 250, 500 and 1,000 miles to nationwide only while the pool is thin. Choose 50, 100, 250, 500 or 1,000 miles on the run form and the worksheet stays inside it and says so on the page.
Can I change the worksheet after the run without paying again?: Comparable picks, the per-mile rate, additions and deductions, price corrections and the carrier offer are free edits on the hosted page, and the Excel and PDF follow. Changing the VIN, odometer, ZIP or radius is a re-run: within 30 days of a full-price run the same worksheet costs $0.99, up to three times.
What do I hand the client or the carrier?: A branded Excel workbook with your name, licence and file number, a PDF of the page, and a locked read-only copy that shows only the comparables you kept. Prices are listed prices throughout; the worksheet says so.

Want programmatic access to the reports? Technical reference (inputs, outputs, the MCP tool name): ACV (Actual Cash Value) Worksheet documentation.

Reports that pair with this one

Total Loss Valuation Worksheet

The total-loss file: clean-title comparables, the branded-title markdown, and the gap to the carrier offer.

$4.99 per run

Diminished Value Worksheet

Post-repair loss in value, argued from comparables you pick, by 17c or by your own percentage.

$5.99 per run

Vehicle Valuation Report

One VIN in full depth: valuation with the comparable evidence behind it.

$1.99 per run

VIN Price Check

Lowest advertised price of record for a VIN (single or batch), with source and timeline.

$0.50 per VIN

The data underneath

Case studies

Total Loss ACV Worksheet: What Appraisers Asked For
A 70% match floor, dealer fees stripped, comps from 50 miles to national, saved dealer pages. Real appraiser files and a live 2019 Equinox worksheet.

Run the ACV (Actual Cash Value) Worksheet

$4.99 per run. Run it here, or connect Claude or ChatGPT and ask in plain English.

Run this report Add to Claude Add to ChatGPT