Total LossPosted by hopefulhomeowner101

Insurer's total loss valuation is $7,200 below what my car is actually worth - any success disputing this?

My car was totaled when someone ran a red light and hit me in January. Their insurer accepted liability so this is going through the at-fault driver's property damage coverage. The insurer came back with a total loss valuation of $18,400 for my 2019 Honda CR-V with 52,000 miles, one previous owner (me), and a full service history. Every comparable vehicle I can find within 200 miles - same year, similar mileage - is listed for $24,000 to $27,000. I've pulled listings from three different used car sites and the comps just don't match what they're offering.

When I asked how they calculated the value they sent me a report from some third-party valuation company. Several of the "comparable" vehicles in the report are different trim levels than mine, one is a base model when I have the EX-L, and two are listed from states with much lower cost of living where cars are consistently cheaper. I don't want to be unreasonable but $18,400 doesn't get me into a comparable vehicle right now. Has anyone actually had success disputing these valuations?

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