Audit Your Total-Loss Vehicle Valuation
Check the report facts, compare the insurer's vehicles with your own, and review whether each comparable is actually similar. Price statistics and quality questions stay separate — this tool never invents a dollar adjustment or a “correct” ACV.
- Free — no login or email
- Mean, median, range, and sample size shown
- Entries stay in your browser
Run Your Offer Audit
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Your Audit Results
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Possible report mismatches to verify
Price statistics
Insurer comparables
Your comparables
Internal-consistency questions
Comparable-quality review
These are verification questions, not a score or dollar adjustment. A different year, mileage, seller type, or location can matter, but this tool does not pretend to know the correct monetary weight.
Methodology version 2.0 — last reviewed 2026-07-29.
The mean, median, range, and 20% possible-outlier check are descriptive arithmetic only. The outlier threshold is a disclosed review heuristic, not a legal or professional appraisal standard.
Comparable-quality prompts do not assign dollar weights. They surface year, mileage, trim/configuration, distance, listing status/date, seller type, condition, and adjustment differences for the user to verify.
Frequently Asked Questions
Does this tool tell me what my vehicle is actually worth?
No. This worksheet organizes the facts and arithmetic you enter — it does not interpret your policy, determine market value, or tell you what an insurer legally owes. See the full disclaimer for what this tool cannot do.
What does it mean if a comp is flagged as a possible outlier?
A comp more than 20% from that group's median is flagged for review. This is a heuristic to help you double-check a comp, not a rule for excluding it — a real vehicle can legitimately fall outside that range.
How many comparables do I need before the tool compares them as a group?
At least two priced comps are required before a range or group comparison is shown. Two comps are labeled a limited sample; three or more give more context, though match quality (year, mileage, trim, condition, location) still matters more than count.
What if I mark a report field as "not sure" or "not shown"?
It becomes a verification question in your results, not an accusation. The goal is to identify what to double-check in your written valuation report — never to assume the insurer made an error.
Is anything I type sent to a server?
No. Every entry — the insurer's ACV, your comps, and your quality-review answers — stays in your browser. Nothing is transmitted to or stored on any server operated by this site.
What the numbers can — and cannot — show
Mean, median, and range describe only the comparables you entered. A small or poorly matched group can still be misleading, which is why one comp does not produce a group comparison and two comps are labeled “limited.” Asking price, sale price, ACV, replacement cost, and loan balance are different concepts; this worksheet does not silently treat them as equal.