Does a drivable total loss change the valuation?

No. An insurer totals a car when the repair estimate, sometimes plus the salvage value, reaches a set share of its actual cash value, a threshold that varies by state, whether or not the car still runs. The settlement starts from ACV either way; an owner who keeps the car usually receives it less the salvage value, under a salvage title. The worksheet builds that ACV from verified comparables.

How do a loan or a lease change the file?

They change who is paid, not the value. A lender or leasing company named on the policy is paid first, up to the balance owed, and the owner gets the rest; gap coverage, where it exists, pays a balance larger than the payout. The worksheet values the vehicle and shows the gap to the carrier's offer, the figure the file argues.

How does the worksheet support an appraisal clause dispute?

Many policies include an appraisal clause that brings in independent appraisers when the policyholder and the carrier cannot agree on actual cash value. The worksheet puts verified comparables, the mileage adjustment, itemized additions and deductions (receipts for recent work among them) and the gap to the carrier's offer on one page that both sides can check.

How does the worksheet arrive at actual cash value?

Actual cash value is what the vehicle was worth immediately before the loss. The worksheet averages the selected like-for-like comparables, each verified on the dealer page, and adjusts for the gap between their average odometer and the subject's at your per-mile rate ($0.06 by default). Any title-brand markdown comes next, then your additions and deductions.

How does it value a salvage, rebuilt, flood or lemon title?

The vehicle is valued from clean-title comparables, which is standard appraisal practice, and the title brand is then taken off the comparable-derived ACV as a percentage. The markdown defaults to 25% and is yours to set, on the run or on the page afterwards. It is applied before your additions and deductions, so documented receipts keep their full value.

What is the difference between the defensible and maximum comparable strategies?

Defensible takes the closest configuration and mileage matches. Maximum takes the highest mileage-adjusted comparables, which supports the strongest position against the carrier but invites a days-on-market challenge. Both draw from the same verified pool and you can hide the panel if you do not use it.

What happens when there are not enough good comparables?

Comparables under a 70% match are not selected automatically, and a comparable needs at least four real photos. If nothing qualifies inside your radius, the worksheet ships with the money lines marked not computed, offers a re-run at the next radius, and you are not charged.

Can I edit it during the negotiation?

Yes. Comparable picks, the per-mile rate, the title markdown, adjustments and the carrier offer are free edits on the hosted page, and the Excel and PDF follow. Generate a read-only copy whenever you need to freeze a version for the other side.

$4.99 per worksheet. Re-running the same VIN within 30 days, say with a corrected odometer or a wider radius, costs $0.99 instead, up to three times. Connect the MarketCheck AI Desk to Claude or ChatGPT once and ask in plain English, or run it from this website. You pay per report from a credit balance, with no subscription.

All reports

For Independent Appraiser For Insurance Adjuster For Public Adjuster For Claims Attorney

Total loss valuation worksheet: argue the carrier's offer with verified comps

A total loss valuation worksheet sets the vehicle's actual cash value from like-for-like comparables, adjusts for mileage, takes a markdown for a salvage, rebuilt, flood or lemon title, and shows the gap to the carrier's offer. This one verifies each comparable price on the dealer's page, strips fees, saves the page and ships an Excel. $4.99.

What you get

Nearest matching clean-title 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
Settlement math: average of selected asks, mileage adjustment at an editable per-mile rate, ACV, title-brand markdown, additions/deductions, total pre-tax
Title-brand markdown taken off the comp-derived ACV, 25% by default and editable, applied before your adjustments so documented receipts keep their full value
Gap between the settlement total and 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
Odometer reading at the time of the loss.
ZIP
ZIP code of the loss market.
Comparable search radius
How far from the ZIP to look for comparables.
Title brand
Title status of the loss vehicle: "clean" (default), "salvage", "rebuilt", "flood", or "lemon".
Insurer offer (USD)
The insurance carrier's settlement offer.

Optional (14)

Comparable model years
Comp strategy
Title brand markdown (%)
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 a total loss worksheet for VIN 3GNAXUEG2RS216393, 41,058 miles, ZIP 48120. Salvage title, the carrier offered $13,033.

Claude

via MarketCheck data

Total Loss Report or Total Loss Valuation Worksheet?

	Total Loss Report ($4.99 per run)	Total Loss Valuation Worksheet ($4.99 per run)
Who it is for	Adjusters and claimants who want a fast, documented ACV	Appraisers, public adjusters and attorneys building the file
Comparables	Chosen by the report: off-market within 100 miles in the last 90 days, active within 75 miles	Like-for-like active listings, about three selected and yours to re-pick; none under a 70% match picked automatically
Evidence	Comparable tables at their last list price	Each price read off the dealer page, fees stripped, the page saved
Title brands	Not applied	Salvage, rebuilt, flood or lemon markdown, 25% by default
Carrier offer	Not compared	The gap to the offer, line by line
Output	A hosted report you can share	A hosted worksheet, a branded Excel and a read-only copy

Try a prompt in Claude or ChatGPT

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

Build a total loss worksheet for VIN 3GNAXUEG2RS216393, 41,058 miles, ZIP 48120. Salvage title, the carrier offered $13,033.
Open in Claude Open in ChatGPT
My truck was totaled and the title is rebuilt. VIN 3C63R5SL3TG153504, 13,214 miles, ZIP 48124. Is the $21,500 offer fair?
Open in Claude Open in ChatGPT

Who runs the Total Loss Valuation Worksheet

Independent appraisers building a total loss file or arguing a settlement offer up.
Insurance adjusters and public adjusters who want the comparables and the math on one page.
Attorneys who need a valuation the other side can audit line by line.

Before you run it

Does a drivable total loss change the valuation?: No. An insurer totals a car when the repair estimate, sometimes plus the salvage value, reaches a set share of its actual cash value, a threshold that varies by state, whether or not the car still runs. The settlement starts from ACV either way; an owner who keeps the car usually receives it less the salvage value, under a salvage title. The worksheet builds that ACV from verified comparables.
How do a loan or a lease change the file?: They change who is paid, not the value. A lender or leasing company named on the policy is paid first, up to the balance owed, and the owner gets the rest; gap coverage, where it exists, pays a balance larger than the payout. The worksheet values the vehicle and shows the gap to the carrier's offer, the figure the file argues.
How does the worksheet support an appraisal clause dispute?: Many policies include an appraisal clause that brings in independent appraisers when the policyholder and the carrier cannot agree on actual cash value. The worksheet puts verified comparables, the mileage adjustment, itemized additions and deductions (receipts for recent work among them) and the gap to the carrier's offer on one page that both sides can check.
How does the worksheet arrive at actual cash value?: Actual cash value is what the vehicle was worth immediately before the loss. The worksheet averages the selected like-for-like comparables, each verified on the dealer page, and adjusts for the gap between their average odometer and the subject's at your per-mile rate ($0.06 by default). Any title-brand markdown comes next, then your additions and deductions.
How does it value a salvage, rebuilt, flood or lemon title?: The vehicle is valued from clean-title comparables, which is standard appraisal practice, and the title brand is then taken off the comparable-derived ACV as a percentage. The markdown defaults to 25% and is yours to set, on the run or on the page afterwards. It is applied before your additions and deductions, so documented receipts keep their full value.
What is the difference between the defensible and maximum comparable strategies?: Defensible takes the closest configuration and mileage matches. Maximum takes the highest mileage-adjusted comparables, which supports the strongest position against the carrier but invites a days-on-market challenge. Both draw from the same verified pool and you can hide the panel if you do not use it.
What happens when there are not enough good comparables?: Comparables under a 70% match are not selected automatically, and a comparable needs at least four real photos. If nothing qualifies inside your radius, the worksheet ships with the money lines marked not computed, offers a re-run at the next radius, and you are not charged.
Can I edit it during the negotiation?: Yes. Comparable picks, the per-mile rate, the title markdown, adjustments and the carrier offer are free edits on the hosted page, and the Excel and PDF follow. Generate a read-only copy whenever you need to freeze a version for the other side.
How is it priced?: $4.99 per worksheet. Re-running the same VIN within 30 days, say with a corrected odometer or a wider radius, costs $0.99 instead, up to three times. Connect the MarketCheck AI Desk to Claude or ChatGPT once and ask in plain English, or run it from this website. You pay per report from a credit balance, with no subscription.

Want programmatic access to the reports? Technical reference (inputs, outputs, the MCP tool name): Total Loss Valuation Worksheet documentation.

Reports that pair with this one

ACV (Actual Cash Value) Worksheet

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

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Total Loss Report

Actual cash value just before the loss, with insurance-grade evidence.

$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

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 Total Loss Valuation Worksheet

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

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