Comparable vehicles may not match.
Year, trim, packages, mileage, and local availability can materially affect fair market value.
Free total loss value review
Don’t Accept the First Total Loss Offer.
Get a Free Second Opinion on Your Insurance Valuation.
Before you sign your settlement paperwork, Valuation IQ helps you compare your insurance offer against real market data so you can make a more informed decision.
✓ No obligation
✓ Private & secure
✓ Market-based review
Sample review range
Review ready
$31,400–$34,200
Insurance valuations can be hard to read.
Total loss offers are based on comparable vehicles, mileage, condition, options, adjustments, taxes, and fees. Small differences can change the final number.
Adjustments are easy to miss.
Condition deductions, equipment credits, and regional market differences can be buried in the report.
The first number may not be final.
Many drivers do not realize they can ask questions, submit information, or request clarification before accepting.
A calm, simple review before you decide.
Upload your offer or share the basics. We review the valuation against current market information and send back a plain-English second opinion.
Submit your offer.
Tell us your vehicle, mileage, insurer, offer amount, and optionally upload the valuation report.
We compare market data.
We look for similar vehicles and review the factors that may affect the settlement value.
Receive your second opinion.
You get a concise summary of whether the valuation appears fair and what questions may be worth asking.
Built to help drivers understand the number before they accept it.
Valuation IQ is not a dealership landing page. It is a free educational review designed to make a stressful insurance moment clearer.
No obligation to buy anything.
The review comes first. If you later need help with replacement options, that conversation can happen naturally.
Your documents stay private.
Your information is used to complete your review and follow up with you about your request.
Get your free second opinion.
Send the basics now. If you have your valuation report, reply to the confirmation email with the PDF or photos after submitting.
Questions people ask before accepting.
Total loss claims move fast. These are the basics most drivers want to understand before they sign.
Can a total loss offer be negotiated?
In many cases, drivers can ask questions, provide supporting information, or request that the valuation be reviewed. The right next step depends on your policy, state rules, and the details of your valuation report.
How are total loss values calculated?
Insurers generally estimate actual cash value using comparable vehicles, mileage, condition, options, location, and adjustments. Valuation IQ helps you understand whether those factors appear reasonable.
What if I already accepted the offer?
You can still request a review, but your options may be more limited after acceptance. Submit the details and we can help you understand what may still be worth asking.
How quickly can I get a review?
Most simple reviews can be started quickly once we have the offer, vehicle details, mileage, and ideally the insurer’s valuation report.
Is this legal or insurance advice?
No. This is an informational, market-based second opinion. Valuation IQ does not act as your attorney, public adjuster, or insurance representative.
Know before you accept.
A total loss settlement is too important to guess on. Start with a free second opinion and make your next decision with more confidence.
Start Free Review