Before accepting or rejecting the offer, determine whether the concern is the vehicle value, the comparables, the adjustments or a separate settlement item such as tax or deductible. That distinction determines what evidence is actually needed.
A quick audit often identifies whether the problem is factual or methodological.
Evidence should establish the subject vehicle or test the market—not simply show that vehicles can be advertised at higher prices.
An appraisal is more likely to be useful when the potential difference is material and the market issue requires structured analysis.
Do not assess the offer from the final number alone.
Focus the dispute on material errors or unsupported assumptions.
Connect each document or comparable to a specific correction.
Submit corrections, request review or obtain an independent appraisal.
The insurer may review new information or corrections, but the process and willingness to revise can vary. A change is not guaranteed.
Generally, the loan balance is separate from the vehicle value. Gap coverage or other policy terms may affect how a shortfall is handled.
The complimentary review assesses the report, vehicle and potential difference before a formal assignment is accepted.
Assignment availability, inspection requirements and report scope are confirmed after file review. IA Reports does not guarantee acceptance by a third party or a particular financial, legal or insurance outcome.
Tell us about the vehicle or assignment. Your information and selected documents will be submitted directly to IA Reports.
