# Total Loss Report

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

**Price:** $4.99 per report. Runs inside Claude or ChatGPT (MCP), or as a shareable hosted web report. Pay per report, no subscription.

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.

## Inputs

### Required
- **vin** (e.g. `1HGCV2F38LA000777`): 17-character vehicle identification number.
- **mileage** (e.g. `78400`): Vehicle mileage at the time of the loss event.
- **loss_date** (e.g. `2026-03-14`): Date of the loss event in ISO format (YYYY-MM-DD).

### Recommended
- **loss_zip** (e.g. `30309`): 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.

### Optional
- **condition** (e.g. `Average`): Pre-loss vehicle condition: Clean, Average, or Rough. Biases the ACV range.
- **options_value_usd** (e.g. `1200`): Aftermarket additions or premium options that should add to ACV.
- **is_certified** (e.g. `false`): Tick this if the vehicle was CPO (certified pre-owned) at the time of loss.
- **adjustments** (e.g. `Two tires, -400`): 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.
- **appraiser_name** (e.g. `Jane Smith, ASA`): 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.
- **appraiser_license** (e.g. `UT Lic. 12345`): License or credential shown with the preparer name. Defaults from the appraisal profile in account settings.
- **client_name** (e.g. `Acme Insurance`): Client the appraisal is prepared for (renders in the certification block).
- **file_number** (e.g. `CLM-2026-0417`): 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.
- **exclude_vins** (e.g. ``): Comparables to EXCLUDE (comma or newline separated VINs). They are dropped from every pool before valuation and listed as considered-and-rejected.

## Data semantics

Every price is a **listed (asking) price**, not a transacted sale price. "Recently off-market" comps show a vehicle's last list price (a sold proxy). The ML "MarketCheck Price" predicts an optimal listing price, not a sale price.

## How to run

Connect MarketCheck to Claude or ChatGPT at https://ai.marketcheck.com/install, then ask in plain English. Or open the report page and run it.

[Open the Total Loss Report](https://ai.marketcheck.com/reports/total-loss-report) · [All reports](https://ai.marketcheck.com/) · [llms.txt](https://ai.marketcheck.com/llms.txt)