What is an independent total loss appraisal?
When a vehicle is declared a total loss, the settlement is based on the actual cash value (ACV) of the car before the accident. Different valuation tools (CCC One, Audatex, Mitchell, market listings) can produce different numbers depending on which comps, trim level, and condition adjustments are used.
An independent total loss appraisal gives you a second opinion backed by current Houston-area market data. Our reports are unbiased and written to be useful in negotiation, the appraisal clause process, or arbitration if you choose to pursue them.
When a second opinion makes sense
- You want to confirm the comps used reflect the Houston market
- Your vehicle had options, recent maintenance, or upgrades you want documented
- You want an independent review of mileage, condition, or trim valuation
- You'd like a second valuation alongside the CCC One / Audatex report
- You want to compare the actual cash value (ACV) to current Houston market data
How the process works
Share your details in 60 seconds
Send us your vehicle details, mileage, and the settlement amount you've received. Upload the CCC report if you have it.
Independent appraisal
A licensed appraiser pulls current Houston-area comps and builds an unbiased valuation backed by market data.
Compare and decide
You'll have an independent number alongside your insurer's. You decide your next step — we'll explain your options if asked.
Why drivers choose us
Texas licensed auto appraiser
USPAP-aware reports built for dispute
Houston-area comps, not regional averages
Related services
Appraisal Clause Representation →
If you and your insurer reach an impasse on value, most Texas policies include an appraisal clause — a structured path to independent resolution.
Diminished Value Appraisal →
Vehicle repaired instead of totaled? An independent appraisal can document any change in market value due to the accident history.
