Worksheet template
Total-Loss Counter-Valuation Worksheet (Template)
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.
When to use this template
Use after you have received the insurer's full valuation report and identified at least 3-5 current dealer listings within 50-100 miles of your zip code that match your vehicle's year/make/model/trim and similar mileage and condition.
How to fill it in
Replace each [BRACKETED] placeholder with your specific information:
| Placeholder | Replace with |
|---|---|
| [YEAR] | Your vehicle's model year (e.g. 2020). |
| [MAKE] | Vehicle make (e.g. Toyota). |
| [MODEL] | Vehicle model (e.g. Camry). |
| [TRIM] | Trim level (e.g. XLE V6). |
| [MILEAGE] | Mileage at time of loss (e.g. 42500). |
| [ZIP] | Your home ZIP code. |
| [INSURER OFFER] | Dollar amount of the insurer's most recent offer. |
| [INSURER VENDOR] | CCC ONE / Mitchell WorkCenter / Audatex Autosource. |
Template body
============================================================== TOTAL LOSS COUNTER-VALUATION WORKSHEET ============================================================== VEHICLE ------- Year/Make/Model/Trim: [YEAR] [MAKE] [MODEL] [TRIM] Mileage at loss: [MILEAGE] ZIP / market: [ZIP] Insurer's offer: $[INSURER OFFER] Insurer's vendor: [INSURER VENDOR] COMPARABLE VEHICLES (5 minimum, within 50-100 miles) ---------------------------------------------------- Capture URL, asking price, mileage, trim, and listing date for each. Comp #1 Source URL: ____________________________________________ Asking price: $______________ Mileage: ______________ Trim / equipment: ____________________________________________ Listing date: ______________ Distance from me: ______ miles Comp #2 Source URL: ____________________________________________ Asking price: $______________ Mileage: ______________ Trim / equipment: ____________________________________________ Listing date: ______________ Distance from me: ______ miles Comp #3 Source URL: ____________________________________________ Asking price: $______________ Mileage: ______________ Trim / equipment: ____________________________________________ Listing date: ______________ Distance from me: ______ miles Comp #4 Source URL: ____________________________________________ Asking price: $______________ Mileage: ______________ Trim / equipment: ____________________________________________ Listing date: ______________ Distance from me: ______ miles Comp #5 Source URL: ____________________________________________ Asking price: $______________ Mileage: ______________ Trim / equipment: ____________________________________________ Listing date: ______________ Distance from me: ______ miles PER-COMPARABLE ADJUSTMENTS -------------------------- For each comparable, compute (vs. your vehicle): Mileage adjustment ($/mile, typically $0.05-$0.15) Condition adjustment (positive if your car is better) Equipment adjustment (positive for options yours has, comp lacks) The adjusted price = asking price +/- adjustments. REVISED ACV CALCULATION ----------------------- Adjusted price comp #1: $______________ Adjusted price comp #2: $______________ Adjusted price comp #3: $______________ Adjusted price comp #4: $______________ Adjusted price comp #5: $______________ Average adjusted price: $______________ <-- YOUR COUNTER OFFER Insurer's offer: $______________ Gap: $______________ FACTORY OPTIONS AUDIT --------------------- Pull your VIN through the NHTSA vPIC decoder (https://vpic.nhtsa.dot.gov/decoder/Decoder). List every factory option below; check whether the insurer credited it. [ ] Premium audio [ ] Navigation [ ] Sunroof / moonroof [ ] Leather [ ] Heated / cooled seats [ ] Towing package [ ] Safety / driver-assist package [ ] Trim-package upgrade [ ] Other: __________________________ [ ] Other: __________________________ [ ] Other: __________________________ Missed options total estimated value: $______________ RED FLAGS IN INSURER REPORT --------------------------- [ ] Comparables outside 50-mile radius [ ] Comparables older than 90 days [ ] Mileage adjustment math incorrect [ ] Condition graded too low (Average / Good when Very Good warranted) [ ] Typical-negotiation discount applied (5-7% deduction from comps) [ ] Factory options not credited [ ] Aftermarket equipment not credited [ ] Recent major service / new tires not credited DOCUMENTATION ATTACHMENTS ------------------------- [ ] Photos of vehicle (interior, exterior, dashboard with mileage) [ ] Window sticker / Monroney label (if available) [ ] VIN decoder printout (NHTSA vPIC) [ ] Recent service records / receipts [ ] Comparable listing screenshots / URLs NEXT STEPS ---------- [ ] Submit this counter to insurer in writing with 5-7 day deadline [ ] Request itemized response if rejected [ ] Escalate to supervisor if response inadequate [ ] File state insurance department complaint if no movement [ ] Invoke appraisal clause as last resort
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