My Car Was Totaled. What Should I Do Next?
Hearing that your car is a total loss is stressful, and the settlement process moves quickly. This checklist helps you protect your position before you accept an offer.
Before you accept anything
- Get the offer and the full valuation report in writing.
- Don't sign a release or settlement until you've checked the numbers.
Gather your records
- Your policy, including any appraisal section.
- Maintenance records, receipts for tires and upgrades, and the window sticker if you have it.
- Photos of the vehicle from before the loss.
Check the valuation
Confirm trim, options, mileage and condition, and compare the insurer's comparables to true matches in your area. Our guide on how insurers calculate actual cash value walks through it.
Know your options
Negotiate with evidence, request appraisal if your policy includes it, or get an independent appraisal to document your vehicle's real value.
Think your total loss offer is too low?
Our independent appraisers build a documented valuation from market data, equipment and condition, and stand behind it through negotiation with your insurer.
Common questions
- How long do I have to respond to a total loss offer?
- It depends on your insurer and state. Ask your adjuster for any deadlines in writing so you don't miss them.
More guides
- How to Dispute a Total Loss Settlement Offer
- What Is the Appraisal Clause in an Auto Insurance Policy?
- How Insurance Companies Calculate a Total Loss (Actual Cash Value)
This guide is general information, not legal advice. Policy terms and consumer rules vary by insurer and state. Check your policy, and contact your state insurance department with questions about your rights.