TL;DR
- - If your insurer's total-loss or diminished-value offer seems low, order a licensed independent appraisal to document fair market value using comparable sales.
- - Give the appraiser complete vehicle details, including options, mileage, condition, repair history, and local comparable listings, so the report reflects real market value.
- - Use the appraisal report to negotiate a higher settlement, request appraisal/arbitration, or consult an attorney if the insurer refuses to correct an undervalued offer.

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