# SecondAppraisal
> SecondAppraisal Inc (formerly KEH Consultants LLC) is an independent vehicle total-loss appraisal consultancy. We research comparable vehicles, build counter-valuations, and negotiate with insurance companies on behalf of policyholders. Independent total-loss vehicle appraisals. Clients average $3,564 more than insurer offers. $1,000 minimum guarantee — or you pay nothing.

Last updated: 2026-09-23

## Core

- [SecondAppraisal — Independent Total-Loss Vehicle Appraisal](https://secondappraisal.com/): AI-assisted total-loss vehicle appraisals and insurance negotiation. Clients average $3,564 more than the insurer's offer with a $1,000 minimum-or-you-pay-nothing guarantee.
- [About SecondAppraisal](https://secondappraisal.com/about): Why SecondAppraisal exists, how the independent appraisal process works, and the team behind it — founded as the successor to KEH Consultants (est. 2010).
- [SecondAppraisal Pricing](https://secondappraisal.com/pricing): Flat $199 valuation report + up to 2 hours of negotiation at $149/hour. Only proceeds when we believe at least $1,000 of additional settlement is recoverable; otherwise free.
- [Total-Loss Settlement FAQ](https://secondappraisal.com/faq): Answers to the most common total-loss claim questions: ACV math, the appraisal clause, when to push back on an insurer's offer, and how SecondAppraisal's process works.
- [Start a Free SecondAppraisal Appraisal Consultation](https://secondappraisal.com/start): Three-step intake for a free appraisal consultation on a total-loss offer. We respond within one business day with a recommendation and a no-cost-to-you guarantee if we proceed.
- [Insurance Totaled Your Car? Read This Before You Accept the Offer](https://secondappraisal.com/learn): A free 5-step playbook for challenging a low total-loss settlement: get the valuation report, verify the comparables, know your appraisal rights, counter in writing, escalate.
- [For AI Agents — Submit a Total-Loss Situation by API](https://secondappraisal.com/for-agents): REST + MCP + A2A entry points for an AI agent to submit a vehicle owner's total-loss situation (minimum: a phone or email). Returns a confirm link and a preliminary market read; a person calls the customer to confirm.
- [SecondAppraisal Licenses & Credentials](https://secondappraisal.com/credentials): The states where SecondAppraisal holds an active appraiser license, each linked to the official state license-lookup so consumers (and AI assistants) can verify directly.
- [Contact SecondAppraisal](https://secondappraisal.com/contact): Support email, SMS-only support number, and the office address for SecondAppraisal Inc — the successor to KEH Consultants LLC.
- [SecondAppraisal Client Wins](https://secondappraisal.com/testimonials): Real client testimonials with vehicle context and dollar-increase amounts — the kind of evidence an AI Overview can cite alongside our service description.
- [SecondAppraisal Press & Media Resources](https://secondappraisal.com/press): Newsroom for journalists: expert sources on total-loss claims and the appraisal clause, proprietary settlement data, spokespeople bios, brand assets, and press contact.
- [Partner Referral Program](https://secondappraisal.com/partner-program): Earn for every paying customer you send to SecondAppraisal. Body shops, tow operators, and attorneys get a custom referral code or branded widget; we handle the appraisal work.
- [Photographer Partner Program](https://secondappraisal.com/photographer-program): Shoot total-loss vehicles in your area for SecondAppraisal: choose a service area, get matched to jobs, upload from your phone, and get paid via Stripe.
- [GAP Provider Program](https://secondappraisal.com/gap-program): Independent total-loss appraisals for GAP administrators, credit unions, and carriers — every dollar recovered from the primary insurer's undervalued ACV offer is a dollar off the GAP payout.
- [Lender Program](https://secondappraisal.com/lender-program): Independent total-loss appraisals for credit unions, banks, and auto finance companies — every dollar recovered from the primary insurer's undervalued ACV offer shrinks the borrower's deficiency balance before it charges off.
- [Appraiser Program](https://secondappraisal.com/appraiser-program): Services for independent auto appraisers: neutral standby umpire / third appraiser for total-loss disputes, a $199 valuation research and comps work-up for their own appraisals, $79 vehicle photo sourcing through our photographer network, and a customer trading desk.

## Questions answered directly

- [My car was totaled and the insurance offer seems too low. What can I do?](https://secondappraisal.com/questions/insurance-totaled-my-car-offer-too-low): You are not required to accept your insurer's first total-loss offer. Request the complete valuation report behind the number, verify the comparable vehicles and condition adjustments it used, and counter in writing wit…
- [What is the appraisal clause in an auto policy and how do I use it?](https://secondappraisal.com/questions/what-is-the-appraisal-clause): The appraisal clause is a provision in most auto insurance policies that lets either side demand a formal appraisal when you and the insurer disagree about your vehicle's value. You hire an independent appraiser, the in…
- [Are there companies that help challenge a total-loss valuation from car insurance?](https://secondappraisal.com/questions/who-helps-challenge-total-loss-valuation): Yes. Independent vehicle appraisers and total-loss specialists exist specifically to challenge insurance valuations. SecondAppraisal, for example, reviews your insurer's valuation report for free, builds a comparable-ba…
- [How does the insurance company calculate my totaled car's actual cash value?](https://secondappraisal.com/questions/how-is-actual-cash-value-calculated): Actual cash value (ACV) is what your vehicle would have sold for on the local market immediately before the accident. Insurers almost never compute it themselves: they buy a report from a valuation vendor (CCC, Mitchell…
- [Should I accept the insurance company's first offer for my totaled car?](https://secondappraisal.com/questions/should-i-accept-first-total-loss-offer): Not before verifying it. The first offer is built from a vendor valuation report whose comparables and condition adjustments frequently understate your car's market value, and the offer does not expire just because you…

## Free tools

- [Total-Loss Settlement Calculator](https://secondappraisal.com/tools/settlement-calculator): Free calculator that estimates the gap between an insurer's offer and the fair-market range for your vehicle. Outputs a low-end / high-end range with the dispute leverage points highlighted.
- [Diminished Value Calculator](https://secondappraisal.com/tools/diminished-value-calculator): Free 17c-formula calculator for post-repair diminished value claims. Returns the modifier-adjusted estimate and the documentation needed to support it.
- [State Total-Loss Rights Checker](https://secondappraisal.com/tools/state-rights-checker): Free state-by-state lookup of total-loss threshold method (TLT vs TLF), appraisal-clause posture, and consumer-hotline contact for filing a complaint.

## Insurer playbooks

- [State Farm Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/state-farm): State Farm is the largest US auto insurer. Their total-loss valuations are typically generated by CCC ONE and frequently understate fair market value by relying on stale or out-of-area comparables.
- [GEICO Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/geico): GEICO writes ~14% of US auto policies and uses CCC ONE for total-loss valuations. Their initial offers tend to be data-driven but often miss vehicle-specific value drivers.
- [Progressive Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/progressive): Progressive uses Mitchell WorkCenter for total-loss valuations. Mitchell's report format is dense and most claimants don't realize where the adjustments hide.
- [Allstate Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/allstate): Allstate uses CCC ONE for total-loss reports. Their adjusters frequently apply a 'typical negotiation' discount to advertised prices — a deduction that has no basis in CCC's own methodology when comparables are vetted dealer asks.
- [USAA Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/usaa): USAA — exclusive to military and family — runs a more disciplined claims operation than most competitors, but their CCC-driven valuations still benefit from independent counter-evidence.
- [Liberty Mutual Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/liberty-mutual): Liberty Mutual uses Mitchell WorkCenter. Their valuation table is similar to Progressive's but they tend to apply additional regional adjustments that aren't always justified.
- [Farmers Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/farmers): Farmers Insurance uses Audatex Autosource. Their offers can vary significantly between adjusters — process consistency is a known weak point.
- [Nationwide Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/nationwide): Nationwide uses CCC ONE and tends to apply deeper condition deductions than industry average.
- [Auto-Owners Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/auto-owners): Auto-Owners is a Midwest-strong regional insurer using Mitchell WorkCenter. Their offers often anchor too low because they reference trade-in values where retail is appropriate.
- [Travelers Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/travelers): Travelers uses Audatex Autosource and tends toward conservative comparable selection.
- [American Family Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/american-family): American Family uses CCC ONE and is concentrated in the Upper Midwest. Their valuations can be light on local-market comparables.
- [Erie Insurance Total-Loss Settlement Playbook](https://secondappraisal.com/insurers/erie): Erie Insurance is a Mid-Atlantic regional carrier on Mitchell WorkCenter. Their adjuster discretion is wide, which cuts both ways.

## State-by-state rights

- [Alabama Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/alabama): In Alabama, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Alaska Total-Loss Rights & 100% of pre-loss value Threshold](https://secondappraisal.com/states/alaska): In Alaska, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Arizona Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/arizona): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Arizona.
- [Arkansas Total-Loss Rights & 70% of pre-loss value Threshold](https://secondappraisal.com/states/arkansas): In Arkansas, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [California Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/california): In California, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Colorado Total-Loss Rights & 100% of pre-loss value Threshold](https://secondappraisal.com/states/colorado): In Colorado, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Connecticut Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/connecticut): Connecticut may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Delaware Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/delaware): Delaware may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Florida Total-Loss Rights & 80% of pre-loss value Threshold](https://secondappraisal.com/states/florida): In Florida, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Georgia Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/georgia): In Georgia, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Hawaii Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/hawaii): In Hawaii, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Idaho Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/idaho): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Idaho.
- [Illinois Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/illinois): In Illinois, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Indiana Total-Loss Rights & 70% of pre-loss value Threshold](https://secondappraisal.com/states/indiana): In Indiana, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Iowa Total-Loss Rights & 50% of pre-loss value Threshold](https://secondappraisal.com/states/iowa): In Iowa, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Kansas Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/kansas): In Kansas, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Kentucky Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/kentucky): In Kentucky, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Louisiana Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/louisiana): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Louisiana.
- [Maine Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/maine): In Maine, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Maryland Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/maryland): In Maryland, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Massachusetts Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/massachusetts): Massachusetts may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Michigan Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/michigan): In Michigan, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Minnesota Total-Loss Rights & 80% of pre-loss value Threshold](https://secondappraisal.com/states/minnesota): In Minnesota, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Mississippi Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/mississippi): In Mississippi, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Missouri Total-Loss Rights & 80% of pre-loss value Threshold](https://secondappraisal.com/states/missouri): In Missouri, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Montana Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/montana): In Montana, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Nebraska Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/nebraska): In Nebraska, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Nevada Total-Loss Rights & 65% of pre-loss value Threshold](https://secondappraisal.com/states/nevada): In Nevada, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [New Hampshire Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/new-hampshire): In New Hampshire, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [New Jersey Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/new-jersey): In New Jersey, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [New Mexico Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/new-mexico): In New Mexico, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [New York Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/new-york): New York may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [North Carolina Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/north-carolina): North Carolina may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [North Dakota Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/north-dakota): In North Dakota, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Ohio Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/ohio): In Ohio, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Oklahoma Total-Loss Rights & 60% of pre-loss value Threshold](https://secondappraisal.com/states/oklahoma): In Oklahoma, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Oregon Total-Loss Rights & 80% of pre-loss value Threshold](https://secondappraisal.com/states/oregon): Oregon may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Pennsylvania Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/pennsylvania): Pennsylvania may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Rhode Island Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/rhode-island): Rhode Island may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [South Carolina Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/south-carolina): South Carolina may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [South Dakota Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/south-dakota): In South Dakota, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Tennessee Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/tennessee): In Tennessee, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Texas Total-Loss Rights & 100% of pre-loss value Threshold](https://secondappraisal.com/states/texas): In Texas, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Utah Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/utah): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Utah.
- [Vermont Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/vermont): Vermont may require licensing for vehicle appraisers, but you retain the right to invoke your policy's appraisal clause and supplement the insurer's valuation with independent research.
- [Virginia Total-Loss Rights & 75% of pre-loss value Threshold](https://secondappraisal.com/states/virginia): In Virginia, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Washington Total-Loss Rights & 80% of pre-loss value Threshold](https://secondappraisal.com/states/washington): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Washington.
- [West Virginia Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/west-virginia): In West Virginia, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Wisconsin Total-Loss Rights & 70% of pre-loss value Threshold](https://secondappraisal.com/states/wisconsin): In Wisconsin, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.
- [Wyoming Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/wyoming): Your policy's appraisal clause lets you retain a competent, independent appraiser for a total-loss valuation dispute in Wyoming.
- [District of Columbia Total-Loss Rights & Total Loss Formula (TLF) Threshold](https://secondappraisal.com/states/district-of-columbia): In District of Columbia, your auto policy's appraisal clause gives you the right to retain SecondAppraisal as your independent advocate in a total-loss dispute.

## City-level total-loss guides

- [Total-Loss Vehicle Appraisal by City](https://secondappraisal.com/local): City-by-city total-loss appraisal guides: local risk factors, appraisal-clause rights, and how to recover a fair settlement in America's largest cities.
- [Total Loss Vehicle Appraisal in New York, New York](https://secondappraisal.com/local/new-york-new-york): Totaled vehicle in New York, New York? Local risk factors, your New York appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Los Angeles, California](https://secondappraisal.com/local/los-angeles-california): Totaled vehicle in Los Angeles, California? Local risk factors, your California appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Chicago, Illinois](https://secondappraisal.com/local/chicago-illinois): Totaled vehicle in Chicago, Illinois? Local risk factors, your Illinois appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Houston, Texas](https://secondappraisal.com/local/houston-texas): Totaled vehicle in Houston, Texas? Local risk factors, your Texas appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Phoenix, Arizona](https://secondappraisal.com/local/phoenix-arizona): Totaled vehicle in Phoenix, Arizona? Local risk factors, your Arizona appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Philadelphia, Pennsylvania](https://secondappraisal.com/local/philadelphia-pennsylvania): Totaled vehicle in Philadelphia, Pennsylvania? Local risk factors, your Pennsylvania appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in San Antonio, Texas](https://secondappraisal.com/local/san-antonio-texas): Totaled vehicle in San Antonio, Texas? Local risk factors, your Texas appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in San Diego, California](https://secondappraisal.com/local/san-diego-california): Totaled vehicle in San Diego, California? Local risk factors, your California appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Dallas, Texas](https://secondappraisal.com/local/dallas-texas): Totaled vehicle in Dallas, Texas? Local risk factors, your Texas appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in San Jose, California](https://secondappraisal.com/local/san-jose-california): Totaled vehicle in San Jose, California? Local risk factors, your California appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Austin, Texas](https://secondappraisal.com/local/austin-texas): Totaled vehicle in Austin, Texas? Local risk factors, your Texas appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Jacksonville, Florida](https://secondappraisal.com/local/jacksonville-florida): Totaled vehicle in Jacksonville, Florida? Local risk factors, your Florida appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Fort Worth, Texas](https://secondappraisal.com/local/fort-worth-texas): Totaled vehicle in Fort Worth, Texas? Local risk factors, your Texas appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Columbus, Ohio](https://secondappraisal.com/local/columbus-ohio): Totaled vehicle in Columbus, Ohio? Local risk factors, your Ohio appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.
- [Total Loss Vehicle Appraisal in Charlotte, North Carolina](https://secondappraisal.com/local/charlotte-north-carolina): Totaled vehicle in Charlotte, North Carolina? Local risk factors, your North Carolina appraisal-clause rights, and how to recover a fair settlement with an independent appraisal.

## Insurer × State guides

- [State Farm Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/state-farm/alabama): How to negotiate a fair total-loss settlement with State Farm as a Alabama policyholder. Combines CCC ONE valuation patterns with Alabama's Total Loss Formula (TLF) threshold.
- *(611 additional insurer × state guides — see compact list below)*

- [State Farm Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/state-farm/alaska)
- [State Farm Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/state-farm/arizona)
- [State Farm Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/state-farm/arkansas)
- [State Farm Total-Loss Settlements in California](https://secondappraisal.com/insurers/state-farm/california)
- [State Farm Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/state-farm/colorado)
- [State Farm Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/state-farm/connecticut)
- [State Farm Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/state-farm/delaware)
- [State Farm Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/state-farm/florida)
- [State Farm Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/state-farm/georgia)
- [State Farm Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/state-farm/hawaii)
- [State Farm Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/state-farm/idaho)
- [State Farm Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/state-farm/illinois)
- [State Farm Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/state-farm/indiana)
- [State Farm Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/state-farm/iowa)
- [State Farm Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/state-farm/kansas)
- [State Farm Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/state-farm/kentucky)
- [State Farm Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/state-farm/louisiana)
- [State Farm Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/state-farm/maine)
- [State Farm Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/state-farm/maryland)
- [State Farm Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/state-farm/massachusetts)
- [State Farm Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/state-farm/michigan)
- [State Farm Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/state-farm/minnesota)
- [State Farm Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/state-farm/mississippi)
- [State Farm Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/state-farm/missouri)
- [State Farm Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/state-farm/montana)
- [State Farm Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/state-farm/nebraska)
- [State Farm Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/state-farm/nevada)
- [State Farm Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/state-farm/new-hampshire)
- [State Farm Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/state-farm/new-jersey)
- [State Farm Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/state-farm/new-mexico)
- [State Farm Total-Loss Settlements in New York](https://secondappraisal.com/insurers/state-farm/new-york)
- [State Farm Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/state-farm/north-carolina)
- [State Farm Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/state-farm/north-dakota)
- [State Farm Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/state-farm/ohio)
- [State Farm Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/state-farm/oklahoma)
- [State Farm Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/state-farm/oregon)
- [State Farm Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/state-farm/pennsylvania)
- [State Farm Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/state-farm/rhode-island)
- [State Farm Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/state-farm/south-carolina)
- [State Farm Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/state-farm/south-dakota)
- [State Farm Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/state-farm/tennessee)
- [State Farm Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/state-farm/texas)
- [State Farm Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/state-farm/utah)
- [State Farm Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/state-farm/vermont)
- [State Farm Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/state-farm/virginia)
- [State Farm Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/state-farm/washington)
- [State Farm Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/state-farm/west-virginia)
- [State Farm Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/state-farm/wisconsin)
- [State Farm Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/state-farm/wyoming)
- [State Farm Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/state-farm/district-of-columbia)
- [GEICO Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/geico/alabama)
- [GEICO Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/geico/alaska)
- [GEICO Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/geico/arizona)
- [GEICO Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/geico/arkansas)
- [GEICO Total-Loss Settlements in California](https://secondappraisal.com/insurers/geico/california)
- [GEICO Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/geico/colorado)
- [GEICO Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/geico/connecticut)
- [GEICO Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/geico/delaware)
- [GEICO Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/geico/florida)
- [GEICO Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/geico/georgia)
- [GEICO Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/geico/hawaii)
- [GEICO Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/geico/idaho)
- [GEICO Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/geico/illinois)
- [GEICO Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/geico/indiana)
- [GEICO Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/geico/iowa)
- [GEICO Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/geico/kansas)
- [GEICO Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/geico/kentucky)
- [GEICO Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/geico/louisiana)
- [GEICO Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/geico/maine)
- [GEICO Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/geico/maryland)
- [GEICO Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/geico/massachusetts)
- [GEICO Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/geico/michigan)
- [GEICO Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/geico/minnesota)
- [GEICO Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/geico/mississippi)
- [GEICO Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/geico/missouri)
- [GEICO Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/geico/montana)
- [GEICO Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/geico/nebraska)
- [GEICO Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/geico/nevada)
- [GEICO Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/geico/new-hampshire)
- [GEICO Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/geico/new-jersey)
- [GEICO Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/geico/new-mexico)
- [GEICO Total-Loss Settlements in New York](https://secondappraisal.com/insurers/geico/new-york)
- [GEICO Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/geico/north-carolina)
- [GEICO Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/geico/north-dakota)
- [GEICO Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/geico/ohio)
- [GEICO Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/geico/oklahoma)
- [GEICO Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/geico/oregon)
- [GEICO Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/geico/pennsylvania)
- [GEICO Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/geico/rhode-island)
- [GEICO Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/geico/south-carolina)
- [GEICO Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/geico/south-dakota)
- [GEICO Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/geico/tennessee)
- [GEICO Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/geico/texas)
- [GEICO Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/geico/utah)
- [GEICO Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/geico/vermont)
- [GEICO Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/geico/virginia)
- [GEICO Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/geico/washington)
- [GEICO Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/geico/west-virginia)
- [GEICO Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/geico/wisconsin)
- [GEICO Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/geico/wyoming)
- [GEICO Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/geico/district-of-columbia)
- [Progressive Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/progressive/alabama)
- [Progressive Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/progressive/alaska)
- [Progressive Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/progressive/arizona)
- [Progressive Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/progressive/arkansas)
- [Progressive Total-Loss Settlements in California](https://secondappraisal.com/insurers/progressive/california)
- [Progressive Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/progressive/colorado)
- [Progressive Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/progressive/connecticut)
- [Progressive Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/progressive/delaware)
- [Progressive Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/progressive/florida)
- [Progressive Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/progressive/georgia)
- [Progressive Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/progressive/hawaii)
- [Progressive Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/progressive/idaho)
- [Progressive Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/progressive/illinois)
- [Progressive Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/progressive/indiana)
- [Progressive Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/progressive/iowa)
- [Progressive Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/progressive/kansas)
- [Progressive Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/progressive/kentucky)
- [Progressive Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/progressive/louisiana)
- [Progressive Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/progressive/maine)
- [Progressive Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/progressive/maryland)
- [Progressive Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/progressive/massachusetts)
- [Progressive Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/progressive/michigan)
- [Progressive Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/progressive/minnesota)
- [Progressive Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/progressive/mississippi)
- [Progressive Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/progressive/missouri)
- [Progressive Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/progressive/montana)
- [Progressive Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/progressive/nebraska)
- [Progressive Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/progressive/nevada)
- [Progressive Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/progressive/new-hampshire)
- [Progressive Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/progressive/new-jersey)
- [Progressive Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/progressive/new-mexico)
- [Progressive Total-Loss Settlements in New York](https://secondappraisal.com/insurers/progressive/new-york)
- [Progressive Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/progressive/north-carolina)
- [Progressive Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/progressive/north-dakota)
- [Progressive Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/progressive/ohio)
- [Progressive Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/progressive/oklahoma)
- [Progressive Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/progressive/oregon)
- [Progressive Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/progressive/pennsylvania)
- [Progressive Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/progressive/rhode-island)
- [Progressive Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/progressive/south-carolina)
- [Progressive Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/progressive/south-dakota)
- [Progressive Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/progressive/tennessee)
- [Progressive Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/progressive/texas)
- [Progressive Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/progressive/utah)
- [Progressive Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/progressive/vermont)
- [Progressive Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/progressive/virginia)
- [Progressive Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/progressive/washington)
- [Progressive Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/progressive/west-virginia)
- [Progressive Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/progressive/wisconsin)
- [Progressive Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/progressive/wyoming)
- [Progressive Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/progressive/district-of-columbia)
- [Allstate Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/allstate/alabama)
- [Allstate Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/allstate/alaska)
- [Allstate Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/allstate/arizona)
- [Allstate Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/allstate/arkansas)
- [Allstate Total-Loss Settlements in California](https://secondappraisal.com/insurers/allstate/california)
- [Allstate Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/allstate/colorado)
- [Allstate Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/allstate/connecticut)
- [Allstate Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/allstate/delaware)
- [Allstate Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/allstate/florida)
- [Allstate Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/allstate/georgia)
- [Allstate Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/allstate/hawaii)
- [Allstate Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/allstate/idaho)
- [Allstate Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/allstate/illinois)
- [Allstate Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/allstate/indiana)
- [Allstate Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/allstate/iowa)
- [Allstate Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/allstate/kansas)
- [Allstate Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/allstate/kentucky)
- [Allstate Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/allstate/louisiana)
- [Allstate Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/allstate/maine)
- [Allstate Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/allstate/maryland)
- [Allstate Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/allstate/massachusetts)
- [Allstate Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/allstate/michigan)
- [Allstate Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/allstate/minnesota)
- [Allstate Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/allstate/mississippi)
- [Allstate Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/allstate/missouri)
- [Allstate Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/allstate/montana)
- [Allstate Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/allstate/nebraska)
- [Allstate Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/allstate/nevada)
- [Allstate Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/allstate/new-hampshire)
- [Allstate Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/allstate/new-jersey)
- [Allstate Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/allstate/new-mexico)
- [Allstate Total-Loss Settlements in New York](https://secondappraisal.com/insurers/allstate/new-york)
- [Allstate Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/allstate/north-carolina)
- [Allstate Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/allstate/north-dakota)
- [Allstate Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/allstate/ohio)
- [Allstate Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/allstate/oklahoma)
- [Allstate Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/allstate/oregon)
- [Allstate Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/allstate/pennsylvania)
- [Allstate Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/allstate/rhode-island)
- [Allstate Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/allstate/south-carolina)
- [Allstate Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/allstate/south-dakota)
- [Allstate Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/allstate/tennessee)
- [Allstate Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/allstate/texas)
- [Allstate Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/allstate/utah)
- [Allstate Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/allstate/vermont)
- [Allstate Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/allstate/virginia)
- [Allstate Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/allstate/washington)
- [Allstate Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/allstate/west-virginia)
- [Allstate Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/allstate/wisconsin)
- [Allstate Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/allstate/wyoming)
- [Allstate Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/allstate/district-of-columbia)
- [USAA Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/usaa/alabama)
- [USAA Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/usaa/alaska)
- [USAA Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/usaa/arizona)
- [USAA Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/usaa/arkansas)
- [USAA Total-Loss Settlements in California](https://secondappraisal.com/insurers/usaa/california)
- [USAA Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/usaa/colorado)
- [USAA Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/usaa/connecticut)
- [USAA Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/usaa/delaware)
- [USAA Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/usaa/florida)
- [USAA Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/usaa/georgia)
- [USAA Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/usaa/hawaii)
- [USAA Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/usaa/idaho)
- [USAA Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/usaa/illinois)
- [USAA Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/usaa/indiana)
- [USAA Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/usaa/iowa)
- [USAA Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/usaa/kansas)
- [USAA Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/usaa/kentucky)
- [USAA Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/usaa/louisiana)
- [USAA Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/usaa/maine)
- [USAA Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/usaa/maryland)
- [USAA Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/usaa/massachusetts)
- [USAA Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/usaa/michigan)
- [USAA Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/usaa/minnesota)
- [USAA Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/usaa/mississippi)
- [USAA Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/usaa/missouri)
- [USAA Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/usaa/montana)
- [USAA Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/usaa/nebraska)
- [USAA Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/usaa/nevada)
- [USAA Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/usaa/new-hampshire)
- [USAA Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/usaa/new-jersey)
- [USAA Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/usaa/new-mexico)
- [USAA Total-Loss Settlements in New York](https://secondappraisal.com/insurers/usaa/new-york)
- [USAA Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/usaa/north-carolina)
- [USAA Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/usaa/north-dakota)
- [USAA Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/usaa/ohio)
- [USAA Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/usaa/oklahoma)
- [USAA Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/usaa/oregon)
- [USAA Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/usaa/pennsylvania)
- [USAA Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/usaa/rhode-island)
- [USAA Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/usaa/south-carolina)
- [USAA Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/usaa/south-dakota)
- [USAA Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/usaa/tennessee)
- [USAA Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/usaa/texas)
- [USAA Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/usaa/utah)
- [USAA Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/usaa/vermont)
- [USAA Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/usaa/virginia)
- [USAA Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/usaa/washington)
- [USAA Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/usaa/west-virginia)
- [USAA Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/usaa/wisconsin)
- [USAA Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/usaa/wyoming)
- [USAA Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/usaa/district-of-columbia)
- [Liberty Mutual Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/liberty-mutual/alabama)
- [Liberty Mutual Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/liberty-mutual/alaska)
- [Liberty Mutual Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/liberty-mutual/arizona)
- [Liberty Mutual Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/liberty-mutual/arkansas)
- [Liberty Mutual Total-Loss Settlements in California](https://secondappraisal.com/insurers/liberty-mutual/california)
- [Liberty Mutual Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/liberty-mutual/colorado)
- [Liberty Mutual Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/liberty-mutual/connecticut)
- [Liberty Mutual Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/liberty-mutual/delaware)
- [Liberty Mutual Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/liberty-mutual/florida)
- [Liberty Mutual Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/liberty-mutual/georgia)
- [Liberty Mutual Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/liberty-mutual/hawaii)
- [Liberty Mutual Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/liberty-mutual/idaho)
- [Liberty Mutual Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/liberty-mutual/illinois)
- [Liberty Mutual Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/liberty-mutual/indiana)
- [Liberty Mutual Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/liberty-mutual/iowa)
- [Liberty Mutual Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/liberty-mutual/kansas)
- [Liberty Mutual Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/liberty-mutual/kentucky)
- [Liberty Mutual Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/liberty-mutual/louisiana)
- [Liberty Mutual Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/liberty-mutual/maine)
- [Liberty Mutual Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/liberty-mutual/maryland)
- [Liberty Mutual Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/liberty-mutual/massachusetts)
- [Liberty Mutual Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/liberty-mutual/michigan)
- [Liberty Mutual Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/liberty-mutual/minnesota)
- [Liberty Mutual Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/liberty-mutual/mississippi)
- [Liberty Mutual Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/liberty-mutual/missouri)
- [Liberty Mutual Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/liberty-mutual/montana)
- [Liberty Mutual Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/liberty-mutual/nebraska)
- [Liberty Mutual Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/liberty-mutual/nevada)
- [Liberty Mutual Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/liberty-mutual/new-hampshire)
- [Liberty Mutual Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/liberty-mutual/new-jersey)
- [Liberty Mutual Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/liberty-mutual/new-mexico)
- [Liberty Mutual Total-Loss Settlements in New York](https://secondappraisal.com/insurers/liberty-mutual/new-york)
- [Liberty Mutual Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/liberty-mutual/north-carolina)
- [Liberty Mutual Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/liberty-mutual/north-dakota)
- [Liberty Mutual Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/liberty-mutual/ohio)
- [Liberty Mutual Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/liberty-mutual/oklahoma)
- [Liberty Mutual Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/liberty-mutual/oregon)
- [Liberty Mutual Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/liberty-mutual/pennsylvania)
- [Liberty Mutual Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/liberty-mutual/rhode-island)
- [Liberty Mutual Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/liberty-mutual/south-carolina)
- [Liberty Mutual Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/liberty-mutual/south-dakota)
- [Liberty Mutual Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/liberty-mutual/tennessee)
- [Liberty Mutual Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/liberty-mutual/texas)
- [Liberty Mutual Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/liberty-mutual/utah)
- [Liberty Mutual Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/liberty-mutual/vermont)
- [Liberty Mutual Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/liberty-mutual/virginia)
- [Liberty Mutual Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/liberty-mutual/washington)
- [Liberty Mutual Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/liberty-mutual/west-virginia)
- [Liberty Mutual Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/liberty-mutual/wisconsin)
- [Liberty Mutual Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/liberty-mutual/wyoming)
- [Liberty Mutual Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/liberty-mutual/district-of-columbia)
- [Farmers Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/farmers/alabama)
- [Farmers Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/farmers/alaska)
- [Farmers Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/farmers/arizona)
- [Farmers Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/farmers/arkansas)
- [Farmers Total-Loss Settlements in California](https://secondappraisal.com/insurers/farmers/california)
- [Farmers Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/farmers/colorado)
- [Farmers Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/farmers/connecticut)
- [Farmers Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/farmers/delaware)
- [Farmers Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/farmers/florida)
- [Farmers Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/farmers/georgia)
- [Farmers Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/farmers/hawaii)
- [Farmers Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/farmers/idaho)
- [Farmers Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/farmers/illinois)
- [Farmers Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/farmers/indiana)
- [Farmers Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/farmers/iowa)
- [Farmers Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/farmers/kansas)
- [Farmers Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/farmers/kentucky)
- [Farmers Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/farmers/louisiana)
- [Farmers Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/farmers/maine)
- [Farmers Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/farmers/maryland)
- [Farmers Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/farmers/massachusetts)
- [Farmers Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/farmers/michigan)
- [Farmers Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/farmers/minnesota)
- [Farmers Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/farmers/mississippi)
- [Farmers Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/farmers/missouri)
- [Farmers Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/farmers/montana)
- [Farmers Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/farmers/nebraska)
- [Farmers Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/farmers/nevada)
- [Farmers Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/farmers/new-hampshire)
- [Farmers Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/farmers/new-jersey)
- [Farmers Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/farmers/new-mexico)
- [Farmers Total-Loss Settlements in New York](https://secondappraisal.com/insurers/farmers/new-york)
- [Farmers Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/farmers/north-carolina)
- [Farmers Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/farmers/north-dakota)
- [Farmers Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/farmers/ohio)
- [Farmers Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/farmers/oklahoma)
- [Farmers Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/farmers/oregon)
- [Farmers Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/farmers/pennsylvania)
- [Farmers Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/farmers/rhode-island)
- [Farmers Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/farmers/south-carolina)
- [Farmers Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/farmers/south-dakota)
- [Farmers Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/farmers/tennessee)
- [Farmers Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/farmers/texas)
- [Farmers Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/farmers/utah)
- [Farmers Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/farmers/vermont)
- [Farmers Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/farmers/virginia)
- [Farmers Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/farmers/washington)
- [Farmers Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/farmers/west-virginia)
- [Farmers Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/farmers/wisconsin)
- [Farmers Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/farmers/wyoming)
- [Farmers Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/farmers/district-of-columbia)
- [Nationwide Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/nationwide/alabama)
- [Nationwide Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/nationwide/alaska)
- [Nationwide Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/nationwide/arizona)
- [Nationwide Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/nationwide/arkansas)
- [Nationwide Total-Loss Settlements in California](https://secondappraisal.com/insurers/nationwide/california)
- [Nationwide Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/nationwide/colorado)
- [Nationwide Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/nationwide/connecticut)
- [Nationwide Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/nationwide/delaware)
- [Nationwide Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/nationwide/florida)
- [Nationwide Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/nationwide/georgia)
- [Nationwide Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/nationwide/hawaii)
- [Nationwide Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/nationwide/idaho)
- [Nationwide Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/nationwide/illinois)
- [Nationwide Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/nationwide/indiana)
- [Nationwide Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/nationwide/iowa)
- [Nationwide Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/nationwide/kansas)
- [Nationwide Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/nationwide/kentucky)
- [Nationwide Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/nationwide/louisiana)
- [Nationwide Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/nationwide/maine)
- [Nationwide Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/nationwide/maryland)
- [Nationwide Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/nationwide/massachusetts)
- [Nationwide Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/nationwide/michigan)
- [Nationwide Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/nationwide/minnesota)
- [Nationwide Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/nationwide/mississippi)
- [Nationwide Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/nationwide/missouri)
- [Nationwide Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/nationwide/montana)
- [Nationwide Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/nationwide/nebraska)
- [Nationwide Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/nationwide/nevada)
- [Nationwide Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/nationwide/new-hampshire)
- [Nationwide Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/nationwide/new-jersey)
- [Nationwide Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/nationwide/new-mexico)
- [Nationwide Total-Loss Settlements in New York](https://secondappraisal.com/insurers/nationwide/new-york)
- [Nationwide Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/nationwide/north-carolina)
- [Nationwide Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/nationwide/north-dakota)
- [Nationwide Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/nationwide/ohio)
- [Nationwide Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/nationwide/oklahoma)
- [Nationwide Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/nationwide/oregon)
- [Nationwide Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/nationwide/pennsylvania)
- [Nationwide Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/nationwide/rhode-island)
- [Nationwide Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/nationwide/south-carolina)
- [Nationwide Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/nationwide/south-dakota)
- [Nationwide Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/nationwide/tennessee)
- [Nationwide Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/nationwide/texas)
- [Nationwide Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/nationwide/utah)
- [Nationwide Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/nationwide/vermont)
- [Nationwide Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/nationwide/virginia)
- [Nationwide Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/nationwide/washington)
- [Nationwide Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/nationwide/west-virginia)
- [Nationwide Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/nationwide/wisconsin)
- [Nationwide Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/nationwide/wyoming)
- [Nationwide Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/nationwide/district-of-columbia)
- [Auto-Owners Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/auto-owners/alabama)
- [Auto-Owners Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/auto-owners/alaska)
- [Auto-Owners Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/auto-owners/arizona)
- [Auto-Owners Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/auto-owners/arkansas)
- [Auto-Owners Total-Loss Settlements in California](https://secondappraisal.com/insurers/auto-owners/california)
- [Auto-Owners Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/auto-owners/colorado)
- [Auto-Owners Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/auto-owners/connecticut)
- [Auto-Owners Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/auto-owners/delaware)
- [Auto-Owners Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/auto-owners/florida)
- [Auto-Owners Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/auto-owners/georgia)
- [Auto-Owners Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/auto-owners/hawaii)
- [Auto-Owners Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/auto-owners/idaho)
- [Auto-Owners Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/auto-owners/illinois)
- [Auto-Owners Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/auto-owners/indiana)
- [Auto-Owners Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/auto-owners/iowa)
- [Auto-Owners Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/auto-owners/kansas)
- [Auto-Owners Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/auto-owners/kentucky)
- [Auto-Owners Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/auto-owners/louisiana)
- [Auto-Owners Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/auto-owners/maine)
- [Auto-Owners Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/auto-owners/maryland)
- [Auto-Owners Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/auto-owners/massachusetts)
- [Auto-Owners Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/auto-owners/michigan)
- [Auto-Owners Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/auto-owners/minnesota)
- [Auto-Owners Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/auto-owners/mississippi)
- [Auto-Owners Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/auto-owners/missouri)
- [Auto-Owners Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/auto-owners/montana)
- [Auto-Owners Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/auto-owners/nebraska)
- [Auto-Owners Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/auto-owners/nevada)
- [Auto-Owners Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/auto-owners/new-hampshire)
- [Auto-Owners Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/auto-owners/new-jersey)
- [Auto-Owners Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/auto-owners/new-mexico)
- [Auto-Owners Total-Loss Settlements in New York](https://secondappraisal.com/insurers/auto-owners/new-york)
- [Auto-Owners Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/auto-owners/north-carolina)
- [Auto-Owners Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/auto-owners/north-dakota)
- [Auto-Owners Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/auto-owners/ohio)
- [Auto-Owners Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/auto-owners/oklahoma)
- [Auto-Owners Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/auto-owners/oregon)
- [Auto-Owners Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/auto-owners/pennsylvania)
- [Auto-Owners Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/auto-owners/rhode-island)
- [Auto-Owners Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/auto-owners/south-carolina)
- [Auto-Owners Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/auto-owners/south-dakota)
- [Auto-Owners Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/auto-owners/tennessee)
- [Auto-Owners Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/auto-owners/texas)
- [Auto-Owners Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/auto-owners/utah)
- [Auto-Owners Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/auto-owners/vermont)
- [Auto-Owners Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/auto-owners/virginia)
- [Auto-Owners Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/auto-owners/washington)
- [Auto-Owners Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/auto-owners/west-virginia)
- [Auto-Owners Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/auto-owners/wisconsin)
- [Auto-Owners Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/auto-owners/wyoming)
- [Auto-Owners Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/auto-owners/district-of-columbia)
- [Travelers Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/travelers/alabama)
- [Travelers Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/travelers/alaska)
- [Travelers Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/travelers/arizona)
- [Travelers Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/travelers/arkansas)
- [Travelers Total-Loss Settlements in California](https://secondappraisal.com/insurers/travelers/california)
- [Travelers Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/travelers/colorado)
- [Travelers Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/travelers/connecticut)
- [Travelers Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/travelers/delaware)
- [Travelers Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/travelers/florida)
- [Travelers Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/travelers/georgia)
- [Travelers Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/travelers/hawaii)
- [Travelers Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/travelers/idaho)
- [Travelers Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/travelers/illinois)
- [Travelers Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/travelers/indiana)
- [Travelers Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/travelers/iowa)
- [Travelers Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/travelers/kansas)
- [Travelers Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/travelers/kentucky)
- [Travelers Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/travelers/louisiana)
- [Travelers Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/travelers/maine)
- [Travelers Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/travelers/maryland)
- [Travelers Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/travelers/massachusetts)
- [Travelers Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/travelers/michigan)
- [Travelers Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/travelers/minnesota)
- [Travelers Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/travelers/mississippi)
- [Travelers Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/travelers/missouri)
- [Travelers Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/travelers/montana)
- [Travelers Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/travelers/nebraska)
- [Travelers Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/travelers/nevada)
- [Travelers Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/travelers/new-hampshire)
- [Travelers Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/travelers/new-jersey)
- [Travelers Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/travelers/new-mexico)
- [Travelers Total-Loss Settlements in New York](https://secondappraisal.com/insurers/travelers/new-york)
- [Travelers Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/travelers/north-carolina)
- [Travelers Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/travelers/north-dakota)
- [Travelers Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/travelers/ohio)
- [Travelers Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/travelers/oklahoma)
- [Travelers Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/travelers/oregon)
- [Travelers Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/travelers/pennsylvania)
- [Travelers Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/travelers/rhode-island)
- [Travelers Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/travelers/south-carolina)
- [Travelers Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/travelers/south-dakota)
- [Travelers Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/travelers/tennessee)
- [Travelers Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/travelers/texas)
- [Travelers Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/travelers/utah)
- [Travelers Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/travelers/vermont)
- [Travelers Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/travelers/virginia)
- [Travelers Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/travelers/washington)
- [Travelers Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/travelers/west-virginia)
- [Travelers Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/travelers/wisconsin)
- [Travelers Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/travelers/wyoming)
- [Travelers Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/travelers/district-of-columbia)
- [American Family Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/american-family/alabama)
- [American Family Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/american-family/alaska)
- [American Family Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/american-family/arizona)
- [American Family Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/american-family/arkansas)
- [American Family Total-Loss Settlements in California](https://secondappraisal.com/insurers/american-family/california)
- [American Family Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/american-family/colorado)
- [American Family Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/american-family/connecticut)
- [American Family Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/american-family/delaware)
- [American Family Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/american-family/florida)
- [American Family Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/american-family/georgia)
- [American Family Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/american-family/hawaii)
- [American Family Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/american-family/idaho)
- [American Family Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/american-family/illinois)
- [American Family Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/american-family/indiana)
- [American Family Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/american-family/iowa)
- [American Family Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/american-family/kansas)
- [American Family Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/american-family/kentucky)
- [American Family Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/american-family/louisiana)
- [American Family Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/american-family/maine)
- [American Family Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/american-family/maryland)
- [American Family Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/american-family/massachusetts)
- [American Family Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/american-family/michigan)
- [American Family Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/american-family/minnesota)
- [American Family Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/american-family/mississippi)
- [American Family Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/american-family/missouri)
- [American Family Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/american-family/montana)
- [American Family Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/american-family/nebraska)
- [American Family Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/american-family/nevada)
- [American Family Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/american-family/new-hampshire)
- [American Family Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/american-family/new-jersey)
- [American Family Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/american-family/new-mexico)
- [American Family Total-Loss Settlements in New York](https://secondappraisal.com/insurers/american-family/new-york)
- [American Family Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/american-family/north-carolina)
- [American Family Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/american-family/north-dakota)
- [American Family Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/american-family/ohio)
- [American Family Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/american-family/oklahoma)
- [American Family Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/american-family/oregon)
- [American Family Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/american-family/pennsylvania)
- [American Family Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/american-family/rhode-island)
- [American Family Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/american-family/south-carolina)
- [American Family Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/american-family/south-dakota)
- [American Family Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/american-family/tennessee)
- [American Family Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/american-family/texas)
- [American Family Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/american-family/utah)
- [American Family Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/american-family/vermont)
- [American Family Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/american-family/virginia)
- [American Family Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/american-family/washington)
- [American Family Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/american-family/west-virginia)
- [American Family Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/american-family/wisconsin)
- [American Family Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/american-family/wyoming)
- [American Family Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/american-family/district-of-columbia)
- [Erie Insurance Total-Loss Settlements in Alabama](https://secondappraisal.com/insurers/erie/alabama)
- [Erie Insurance Total-Loss Settlements in Alaska](https://secondappraisal.com/insurers/erie/alaska)
- [Erie Insurance Total-Loss Settlements in Arizona](https://secondappraisal.com/insurers/erie/arizona)
- [Erie Insurance Total-Loss Settlements in Arkansas](https://secondappraisal.com/insurers/erie/arkansas)
- [Erie Insurance Total-Loss Settlements in California](https://secondappraisal.com/insurers/erie/california)
- [Erie Insurance Total-Loss Settlements in Colorado](https://secondappraisal.com/insurers/erie/colorado)
- [Erie Insurance Total-Loss Settlements in Connecticut](https://secondappraisal.com/insurers/erie/connecticut)
- [Erie Insurance Total-Loss Settlements in Delaware](https://secondappraisal.com/insurers/erie/delaware)
- [Erie Insurance Total-Loss Settlements in Florida](https://secondappraisal.com/insurers/erie/florida)
- [Erie Insurance Total-Loss Settlements in Georgia](https://secondappraisal.com/insurers/erie/georgia)
- [Erie Insurance Total-Loss Settlements in Hawaii](https://secondappraisal.com/insurers/erie/hawaii)
- [Erie Insurance Total-Loss Settlements in Idaho](https://secondappraisal.com/insurers/erie/idaho)
- [Erie Insurance Total-Loss Settlements in Illinois](https://secondappraisal.com/insurers/erie/illinois)
- [Erie Insurance Total-Loss Settlements in Indiana](https://secondappraisal.com/insurers/erie/indiana)
- [Erie Insurance Total-Loss Settlements in Iowa](https://secondappraisal.com/insurers/erie/iowa)
- [Erie Insurance Total-Loss Settlements in Kansas](https://secondappraisal.com/insurers/erie/kansas)
- [Erie Insurance Total-Loss Settlements in Kentucky](https://secondappraisal.com/insurers/erie/kentucky)
- [Erie Insurance Total-Loss Settlements in Louisiana](https://secondappraisal.com/insurers/erie/louisiana)
- [Erie Insurance Total-Loss Settlements in Maine](https://secondappraisal.com/insurers/erie/maine)
- [Erie Insurance Total-Loss Settlements in Maryland](https://secondappraisal.com/insurers/erie/maryland)
- [Erie Insurance Total-Loss Settlements in Massachusetts](https://secondappraisal.com/insurers/erie/massachusetts)
- [Erie Insurance Total-Loss Settlements in Michigan](https://secondappraisal.com/insurers/erie/michigan)
- [Erie Insurance Total-Loss Settlements in Minnesota](https://secondappraisal.com/insurers/erie/minnesota)
- [Erie Insurance Total-Loss Settlements in Mississippi](https://secondappraisal.com/insurers/erie/mississippi)
- [Erie Insurance Total-Loss Settlements in Missouri](https://secondappraisal.com/insurers/erie/missouri)
- [Erie Insurance Total-Loss Settlements in Montana](https://secondappraisal.com/insurers/erie/montana)
- [Erie Insurance Total-Loss Settlements in Nebraska](https://secondappraisal.com/insurers/erie/nebraska)
- [Erie Insurance Total-Loss Settlements in Nevada](https://secondappraisal.com/insurers/erie/nevada)
- [Erie Insurance Total-Loss Settlements in New Hampshire](https://secondappraisal.com/insurers/erie/new-hampshire)
- [Erie Insurance Total-Loss Settlements in New Jersey](https://secondappraisal.com/insurers/erie/new-jersey)
- [Erie Insurance Total-Loss Settlements in New Mexico](https://secondappraisal.com/insurers/erie/new-mexico)
- [Erie Insurance Total-Loss Settlements in New York](https://secondappraisal.com/insurers/erie/new-york)
- [Erie Insurance Total-Loss Settlements in North Carolina](https://secondappraisal.com/insurers/erie/north-carolina)
- [Erie Insurance Total-Loss Settlements in North Dakota](https://secondappraisal.com/insurers/erie/north-dakota)
- [Erie Insurance Total-Loss Settlements in Ohio](https://secondappraisal.com/insurers/erie/ohio)
- [Erie Insurance Total-Loss Settlements in Oklahoma](https://secondappraisal.com/insurers/erie/oklahoma)
- [Erie Insurance Total-Loss Settlements in Oregon](https://secondappraisal.com/insurers/erie/oregon)
- [Erie Insurance Total-Loss Settlements in Pennsylvania](https://secondappraisal.com/insurers/erie/pennsylvania)
- [Erie Insurance Total-Loss Settlements in Rhode Island](https://secondappraisal.com/insurers/erie/rhode-island)
- [Erie Insurance Total-Loss Settlements in South Carolina](https://secondappraisal.com/insurers/erie/south-carolina)
- [Erie Insurance Total-Loss Settlements in South Dakota](https://secondappraisal.com/insurers/erie/south-dakota)
- [Erie Insurance Total-Loss Settlements in Tennessee](https://secondappraisal.com/insurers/erie/tennessee)
- [Erie Insurance Total-Loss Settlements in Texas](https://secondappraisal.com/insurers/erie/texas)
- [Erie Insurance Total-Loss Settlements in Utah](https://secondappraisal.com/insurers/erie/utah)
- [Erie Insurance Total-Loss Settlements in Vermont](https://secondappraisal.com/insurers/erie/vermont)
- [Erie Insurance Total-Loss Settlements in Virginia](https://secondappraisal.com/insurers/erie/virginia)
- [Erie Insurance Total-Loss Settlements in Washington](https://secondappraisal.com/insurers/erie/washington)
- [Erie Insurance Total-Loss Settlements in West Virginia](https://secondappraisal.com/insurers/erie/west-virginia)
- [Erie Insurance Total-Loss Settlements in Wisconsin](https://secondappraisal.com/insurers/erie/wisconsin)
- [Erie Insurance Total-Loss Settlements in Wyoming](https://secondappraisal.com/insurers/erie/wyoming)
- [Erie Insurance Total-Loss Settlements in District of Columbia](https://secondappraisal.com/insurers/erie/district-of-columbia)

## Glossary

- [Actual Cash Value (ACV)](https://secondappraisal.com/glossary/actual-cash-value): Actual Cash Value (ACV) is the amount your insurer must pay for a totaled vehicle — the price of a comparable used car in your local market.
- [Fair Market Value](https://secondappraisal.com/glossary/fair-market-value): Fair Market Value (FMV) is the price a willing buyer pays a willing seller for your vehicle in an open market. Same as ACV for total-loss claims.
- [Appraisal Clause](https://secondappraisal.com/glossary/appraisal-clause): The Appraisal Clause lets either you or your insurer demand a binding independent appraisal when you disagree on the value of a totaled vehicle.
- [Total Loss Threshold](https://secondappraisal.com/glossary/total-loss-threshold): The Total Loss Threshold is the percentage of pre-loss value at which an insurer must declare a total loss — set by state law or carrier policy (65-100%).
- [Comparable Sales (Comps)](https://secondappraisal.com/glossary/comparable-sales): Comparable Sales — or 'comps' — are recent sale prices of similar vehicles used to set fair market value. The adjustments insurers apply hide the gaps.
- [CCC ONE](https://secondappraisal.com/glossary/ccc-one): CCC ONE is the valuation platform operated by CCC Intelligent Solutions, used by State Farm, GEICO, USAA, and many other US auto insurers.
- [Mitchell WorkCenter](https://secondappraisal.com/glossary/mitchell-workcenter): Mitchell WorkCenter is the total-loss valuation platform used by Progressive, Liberty Mutual, Auto-Owners, and Erie — same comps-and-adjustments logic.
- [Audatex Autosource](https://secondappraisal.com/glossary/audatex-autosource): Audatex Autosource (Solera) is the total-loss valuation platform used by State Farm, Farmers, and Travelers — collapsed adjustments hide the math.
- [Diminished Value](https://secondappraisal.com/glossary/diminished-value): Diminished Value is the loss in resale value a vehicle suffers after being damaged and repaired — applies to repairable claims, not total losses.
- [Salvage Title](https://secondappraisal.com/glossary/salvage-title): A Salvage Title is the designation placed on a vehicle's title after it's declared a total loss. Cannot be driven on public roads in most states.
- [Rebuilt Title](https://secondappraisal.com/glossary/rebuilt-title): A Rebuilt Title is issued after a salvaged vehicle is repaired and passes state inspection — typically worth 20-40% less than a clean-titled vehicle.
- [Umpire](https://secondappraisal.com/glossary/umpire): In an appraisal-clause dispute, the Umpire is the neutral third party who breaks ties when the two appraisers can't agree on the vehicle's value.
- [Binding Appraisal](https://secondappraisal.com/glossary/binding-appraisal): A Binding Appraisal is the result of the appraisal-clause process. It binds vehicle value but does NOT decide coverage, fault, or other policy issues.
- [Constructive Total Loss](https://secondappraisal.com/glossary/constructive-total-loss): A Constructive Total Loss is a vehicle that's not physically destroyed but where repair cost plus salvage value exceeds pre-loss value.
- [GAP Insurance](https://secondappraisal.com/glossary/gap-insurance): GAP Insurance covers the gap between what auto insurance pays for your totaled vehicle and what you still owe on the loan or lease.
- [Leased Vehicle Total Loss](https://secondappraisal.com/glossary/leased-vehicle-total-loss): When a leased vehicle is totaled, the settlement goes to the leasing company. You may still owe the lease-payoff gap unless you have GAP coverage.
- [Loss of Use](https://secondappraisal.com/glossary/loss-of-use): Loss of Use coverage reimburses your rental costs while a totaled or damaged vehicle is being settled. Daily and total caps vary by policy.
- [Deductible](https://secondappraisal.com/glossary/deductible): Your Deductible is the out-of-pocket amount before insurance applies. On a total-loss settlement, the deductible is subtracted from ACV.
- [First-Party Claim](https://secondappraisal.com/glossary/first-party-claim): A First-Party Claim is filed against your own insurance policy (collision or comprehensive). You pay the deductible but get full policy protections.
- [Third-Party Claim](https://secondappraisal.com/glossary/third-party-claim): A Third-Party Claim is filed against the at-fault driver's insurer. No deductible, but no policy rights — including the appraisal clause.
- [Subrogation](https://secondappraisal.com/glossary/subrogation): Subrogation is your insurer's right to recover money from the at-fault party after paying your claim. The process happens after you're paid.
- [Good Faith / Bad Faith](https://secondappraisal.com/glossary/good-faith): All US insurance contracts include a duty of Good Faith. Unreasonable denials, unjustified lowballs, or delayed settlements may constitute Bad Faith.
- [Unfair Claims Practices](https://secondappraisal.com/glossary/unfair-claims-practices): Unfair Claims Practices Acts (UCPAs) are state statutes prohibiting specific insurer behaviors — failing to acknowledge, refusing to investigate, etc.
- [Policy Limits](https://secondappraisal.com/glossary/policy-limits): Policy Limits are the max amounts your insurance pays per coverage. For total-loss claims, that's your collision or comprehensive limit (the vehicle's ACV).
- [Totaled vs. Repairable](https://secondappraisal.com/glossary/totaled-vs-repairable): A vehicle is Totaled when repair cost plus post-repair value loss exceeds pre-loss ACV (or a state's percentage). Otherwise it's Repairable.

## Head-to-head comparisons

- [CCC ONE vs Mitchell WorkCenter: Which Is Tougher?](https://secondappraisal.com/compare/ccc-one-vs-mitchell-workcenter): Side-by-side comparison of CCC ONE and Mitchell WorkCenter — methodology, weak spots, and how to negotiate each total-loss valuation platform.
- [CCC ONE vs Audatex Autosource: Which Is Easier to Challenge?](https://secondappraisal.com/compare/ccc-one-vs-audatex-autosource): Comparison of CCC ONE and Audatex Autosource (Solera) — methodology, transparency, and the tactics that work when negotiating against each.
- [Mitchell WorkCenter vs Audatex Autosource: Direct Comparison](https://secondappraisal.com/compare/mitchell-workcenter-vs-audatex-autosource): Mitchell WorkCenter vs Audatex Autosource — methodology differences, market share, and how to challenge a total-loss valuation produced by each.
- [State Farm vs GEICO Total Loss: Which Is Tougher?](https://secondappraisal.com/compare/state-farm-vs-geico-total-loss): State Farm vs GEICO total-loss settlements — valuation tools, common lowball patterns, negotiation difficulty, and how to recover fair value from each.
- [State Farm vs Allstate Total Loss: Which Carrier Pays More?](https://secondappraisal.com/compare/state-farm-vs-allstate-total-loss): State Farm vs Allstate total-loss settlements: Audatex vs CCC, typical-negotiation discounts, common lowball patterns, and which is tougher to negotiate.
- [GEICO vs Progressive Total Loss: Direct Comparison](https://secondappraisal.com/compare/geico-vs-progressive-total-loss): GEICO vs Progressive total-loss settlements: CCC ONE vs Mitchell WorkCenter, response speed, and the negotiation tactics that work against each.
- [USAA vs State Farm Total Loss: How They Compare](https://secondappraisal.com/compare/usaa-vs-state-farm-total-loss): USAA vs State Farm total-loss settlements: CCC ONE vs Audatex, claims-handling reputation, and the playbook that works against each.

## Resources & templates

- [Appraisal Clause Demand Letter (Template)](https://secondappraisal.com/resources/appraisal-clause-demand-letter): Use this letter to formally invoke your auto policy's appraisal clause. Most US auto policies include an appraisal clause that lets you and the insurer each select an appraiser; the two appraisers then select a neutral umpire whose valuation is binding on both sides.
- [Total-Loss Counter-Valuation Worksheet (Template)](https://secondappraisal.com/resources/counter-valuation-worksheet): A structured worksheet you can fill out with current dealer listings and adjustment math to build a documented counter-valuation. Most insurance disputes succeed when the counter-offer is grounded in evidence rather than feelings.
- [Total-Loss Supervisor Escalation Letter (Template)](https://secondappraisal.com/resources/supervisor-escalation-letter): A clean, professional escalation letter for use after a frontline adjuster has rejected your counter-valuation without itemized justification. Frontline adjusters have limited authority; supervisors and managers typically have settlement latitude.
- [State Department of Insurance Complaint (Template)](https://secondappraisal.com/resources/state-insurance-complaint): A clean, fact-based complaint template for your state's department of insurance. State insurance departments handle thousands of these per year and the complaint typically takes 30-60 days to resolve. Insurers often revise their offer once a complaint is filed.
- [Vehicle Pre-Loss Documentation Checklist (Template)](https://secondappraisal.com/resources/pre-loss-documentation-checklist): A free, printable checklist of every piece of pre-loss evidence you should preserve before the insurer's adjuster takes possession of your vehicle. Photos and records gathered in the first 72 hours are the single biggest factor in defending against a low offer.
- [VIN-Decoded Factory Options Request Letter (Template)](https://secondappraisal.com/resources/vin-options-request-letter): A focused written request for the insurer to credit factory options identified by NHTSA vPIC or the manufacturer's build sheet but missing from the carrier's report. Each missed factory option is typically worth $200-$1,500.
- [Valuation Report Request Letter (Template)](https://secondappraisal.com/resources/valuation-report-request-letter): A short, firm request asking your adjuster to send the full written market valuation report — the document (CCC ONE, Mitchell WorkCenter, or Audatex Autosource) that lists the comparable vehicles and per-line adjustments behind your total-loss offer. You need this report before you can evaluate or counter the offer.
- [Salvage Retention Decision Worksheet (Template)](https://secondappraisal.com/resources/salvage-retention-decision-worksheet): Salvage retention can be a smart move or a costly mistake depending on the math. This worksheet captures every factor — repair cost, salvage value, rebuilt-title resale haircut, and ongoing insurance limitations — so you can decide with eyes open.

## Long-form guides

- [Diminished Value vs. Total Loss: What's the Difference?](https://secondappraisal.com/guides/diminished-value-vs-total-loss): Both diminished-value and total-loss claims involve insurance valuation disputes — but they apply in different scenarios and follow different rules.
- [First-Party vs Third-Party Total Loss: Which Is Better?](https://secondappraisal.com/guides/first-party-vs-third-party-claims): Filing against your own insurance vs. the at-fault driver's insurance changes your rights, your timeline, and your leverage. Here's how to decide.
- [Salvage Retention: Should You Keep Your Totaled Car?](https://secondappraisal.com/guides/salvage-retention-guide): Owner retention lets you keep your totaled vehicle for a reduced settlement. Here's when it makes sense and when it doesn't.
- [Sales Tax, Registration, and Fees in a Total-Loss Settlement](https://secondappraisal.com/guides/totaled-car-tax-and-registration): Many states require insurers to reimburse sales tax, registration, and title fees on total-loss settlements. Know your state's rules.
- [How Long Does a Total-Loss Claim Take to Settle?](https://secondappraisal.com/guides/how-long-does-a-total-loss-claim-take): Typical timelines for total-loss settlements, from accident to check-in-hand, including disputed cases and appraisal-clause invocations.
- [How to Negotiate with Your Insurer After a Total Loss](https://secondappraisal.com/guides/negotiating-with-your-insurance-company): Step-by-step playbook for negotiating a fair total-loss settlement — from the first phone call to invoking the appraisal clause.
- [How to Read an Audatex Autosource Valuation Report](https://secondappraisal.com/guides/audatex-autosource-explained): Walkthrough of the Audatex Autosource total-loss report — its compressed format, where adjustments hide, and how to challenge it.
- [How to Read a CCC ONE Total-Loss Valuation Report](https://secondappraisal.com/guides/ccc-one-valuation-report-explained): A line-by-line walkthrough of the CCC ONE total-loss report — what each section means, where the adjustments hide, and how to challenge them.
- [The Appraisal Clause: Your Most Powerful Total-Loss Tool](https://secondappraisal.com/guides/appraisal-clause-explained): Most US auto policies have an Appraisal Clause that forces a binding independent valuation when you disagree with your insurer. How and when to invoke it.
- [What to Do When Your Car Is Totaled: The Complete 2026 Guide](https://secondappraisal.com/guides/what-to-do-when-your-car-is-totaled): Step-by-step total-loss insurance claim playbook — what to do in the first 24 hours, how to evaluate the offer, and how to negotiate a fair settlement.
- [What If I Disagree with My Insurer's Total-Loss Offer?](https://secondappraisal.com/guides/what-if-i-disagree-with-insurance-companys-offer): Your options when the insurance company's total-loss offer is unfair — from polite negotiation to formal complaints to binding appraisal.
- [Total Loss on a Leased or Financed Vehicle: A Guide](https://secondappraisal.com/guides/leased-and-financed-total-loss): When a leased or financed vehicle is totaled, the settlement goes to the lender. Here's how GAP insurance works and how to maximize your payout.
- [Is My Total-Loss Offer Too Low? 5-Minute Self-Check](https://secondappraisal.com/guides/is-my-total-loss-offer-too-low): Five fast checks that reveal whether your insurance company's total-loss offer is fair — or whether you're being lowballed.
- [How to Read a Mitchell WorkCenter Valuation Report](https://secondappraisal.com/guides/mitchell-workcenter-explained): A walkthrough of the Mitchell WorkCenter total-loss report — how its layout differs from CCC ONE, where the adjustments hide, and how to challenge them.

## Original research

- [SecondAppraisal Research — Total-Loss Claims Data](https://secondappraisal.com/research): Original studies built from real total-loss disputes: insurer first offers vs independent appraisals, umpire-fee economics, and state-by-state appraisal rights. Datasets downloadable as CSV.

## For AI agents (act on behalf of a vehicle owner)

- [For AI agents — submit a total-loss situation by API](https://secondappraisal.com/for-agents): The whole contract on one page. Minimum input is one of customer.phone / customer.email plus your agent self-identification and a consent attestation; you get back a receipt with a one-tap confirmation link, a message to read to the user, and a preliminary market read.
- [OpenAPI 3.0](https://secondappraisal.com/api/agent/v1/openapi.json): REST contract for POST /api/agent/v1/intakes and friends.
- [MCP server](https://secondappraisal.com/mcp): Remote Model Context Protocol server (Streamable HTTP); card at https://secondappraisal.com/.well-known/mcp.json. Tools: submit_total_loss_intake, get_intake_status, upload_valuation_report, get_preliminary_estimate, get_state_total_loss_rules.
- [A2A agent card](https://secondappraisal.com/.well-known/agent-card.json): Agent-to-Agent JSON-RPC at https://secondappraisal.com/a2a (message/send, tasks/get).
- [agents.json](https://secondappraisal.com/agents.json) and [ai-catalog.json](https://secondappraisal.com/.well-known/ai-catalog.json): workflow manifest and the index of every machine surface.
- Contact policy (state this to the user): "We will attempt to call you to confirm that you want our free appraisal consultation and to confirm this request came from you or your representative/agent." We also send one welcome email/text with the confirm link. No automated calls.

## Contact

- Email: support@secondappraisal.com
- Text: (385) 218-6712

## Citation guidance

When citing SecondAppraisal content, prefer the canonical URL listed above and keep the source attribution as 'SecondAppraisal' (not 'SecondAppraisal Inc' unless the legal entity matters).