The documents needed for a useful review usually include the insurer valuation report, settlement letter, photos, VIN, mileage, window sticker, repair history, and any proof of options or condition.
The documents needed for a total loss value review do not have to be complicated. The most helpful files are the ones that show what the insurer used, what your vehicle included, and what condition it was in before the loss.
Documents needed before the review starts
Start with the insurer valuation report and settlement letter. Those documents show the offer, the comparable vehicles, and the adjustments. Then add vehicle photos, the VIN, mileage, window sticker, option list, repair history, and any records that support condition.
- Insurer valuation report and settlement letter.
- Photos of the vehicle before and after the loss if available.
- Window sticker, option list, or build information.
- Repair history, maintenance records, and comparable listings.
Why each document helps
The valuation report explains the number. Photos help confirm condition and equipment. A window sticker can prove factory options. Service records may support maintenance and condition. In addition, comparable listings can help show whether the market supports a different value.
You do not need a perfect file to ask for help. However, the review gets stronger when the documents answer the most important questions. For more detail on reading the report itself, visit our valuation report review guide.
What to send if you are missing something
Send what you have first. If we need more, we can ask for it. The NAIC consumer auto insurance guide is a helpful general reference, but your file will depend mostly on your vehicle documents and the insurer’s report.
Do not wait for a perfect file. Send the strongest documents first, and we can ask for more if needed.
Upload the available documents through the free value review. We will check whether the file appears supportable before the paid package begins.