Total Loss Disputes

"Insurance Undervalued My Vehicle" — What to Do Next

If the number on your total loss offer doesn't match what you know your vehicle was worth, trust that instinct. Here's how to confirm it and what your options are.

5 Signs Your Offer Is Undervalued

What to Do Next

Don't sign a release yet. Request the full valuation report, document your vehicle's actual condition and options with photos and receipts, and get an independent read on the number before you respond to the insurer.

Frequently Asked Questions

Is it normal for insurance to undervalue a total loss?
It's common enough that an independent second opinion is worth getting on nearly every total loss claim, particularly for trucks and SUVs, which are frequently undervalued in Texas.

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