Why the offer can be low
- Comparable vehicles are not similar enough to your vehicle.
- Options, packages, mileage, trim, or condition are entered incorrectly.
- Market listings are too far away or no longer available.
- Taxes, fees, storage, or prior damage assumptions are not handled correctly.
What an independent review checks
The review starts with the insurer's valuation report and then compares that report against the vehicle, documents, claim details, and real market evidence.
- Report accuracy
- Comparable vehicle quality
- Condition and mileage adjustments
- Policy-based dispute options
How the folder moves forward
Start with the valuation report, settlement offer, photos, policy information, and any comparable vehicles you found. TBSA can review whether the dispute appears to fit a total loss appraisal path and then move the folder into Folder Co. when the next step is clear.
Questions about insurance total loss dispute Massachusetts
What should I do first if the total loss offer is too low?
Ask for the full valuation report, save the offer in writing, and do not rely only on the summary number. The details behind the offer are what need review.
Can a valuation report be challenged?
Yes. Valuation reports can contain missing options, weak comparables, unsupported adjustments, or other issues that affect the settlement position.