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SecondAppraisal

Free total-loss tools

Use these free tools to check your state rights, evaluate your offer, and decide whether to push back. No account required.

Settlement Calculator

Compare your insurer's offer to fair market value and estimate the dollars you might recover by negotiating.

Diminished Value Calculator

Free 17c (Mabry) diminished-value estimator. Find out how much resale value you lost after the repair.

State Rights Checker

Pick your state and instantly see your total-loss threshold, statutory rights, and licensing rules.

Self-Check: Is My Offer Too Low?

Five fast checks that reveal whether your insurance company's offer is fair or whether you're being lowballed.

Free Offer Analysis

Upload your insurance company's market valuation report and get a no-obligation analysis from our team.

SecondAppraisal

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By Insurer

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By State

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Guides

  • What to Do When Your Car Is Totaled: The Complete 2026 Guide
  • Is My Total-Loss Insurance Offer Too Low? A 5-Minute Self…
  • The Appraisal Clause Explained: Your Most Powerful Total-…
  • How to Read a CCC ONE Total-Loss Valuation Report
  • Diminished Value vs. Total Loss: What's the Difference?
  • Salvage Retention: Should You Keep Your Totaled Car?
  • Total Loss on a Leased or Financed Vehicle: Your Survival…
  • First-Party vs. Third-Party Total-Loss Claims: Which Is B…
  • How Long Does a Total-Loss Claim Take to Settle?
  • How to Read a Mitchell WorkCenter Total-Loss Valuation Re…
  • How to Read an Audatex Autosource Total-Loss Valuation Re…
  • How to Negotiate with Your Insurance Company After a Tota…
  • All guides →

Glossary

  • Actual Cash Value (ACV)
  • Fair Market Value
  • Appraisal Clause
  • Total Loss Threshold
  • Comparable Sales (Comps)
  • CCC ONE
  • Mitchell WorkCenter
  • Audatex Autosource
  • Diminished Value
  • Salvage Title
  • Rebuilt Title
  • Salvage Retention
  • Full glossary →

Resources

  • Free Tools
  • Settlement Calculator
  • Diminished Value Calculator
  • State Rights Checker
  • Compare Valuation Vendors
  • Free Templates & Worksheets
  • Privacy
  • Terms
  • SMS Consent

© 2026 SecondAppraisal Inc. (formerly KEH Consultants LLC). All rights reserved.

SecondAppraisal is an independent vehicle appraisal consultancy and is not affiliated with any insurance carrier. We act solely on behalf of our clients (the policyholders).

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