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Prior to Loss

Total Loss Appraisals 
prior to loss

If you have been in an accident and it was determined that your car is a total loss, the insurance company will negotiate the replacement value of your vehicle. Oftentimes, they will not offer you enough to actually buy a similar car with the same miles and options. A total loss or prior to loss claim can generally make up the difference.

As long as you weren't the at-fault driver, you are entitled to the Actual Cash Value of your automobile, less your deductible, plus tax, title and license fees.  Chances are the insurance company has not offered you the full amount, but a professional appraisal can help you prove your car is worth more than what they are offering.

An appraisal from Auto Appraisal Network will determine the Prior to Loss value of your car using local market data and make allowances for mileage, options, upgrades, modifications and condition.  

Any portion of a Diminished Value (or Prior to Loss ) claim that is not paid can by the insurance company, can be written off on your itemized income taxes, including the fee for the appraisal.

In some cases, if you are unable purchase a comparable car within 30 days of your settlement, you can re-open your claim and the insurer can either locate a comparable vehicle or pay you the difference.

If you think your car is worth more than what the insurance is offering, contact Auto Appraisal Network of Massachusetts today.  We've helped people get thousands more dollars and will let you know right over the phone if we think we can help you, too! 

Use IRS Form 4684 for itemizing Prior to Loss and appraisal fees on your taxes.


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Prior to Loss