I have a total loss valuation from Allstate that seems a bit off and am wondering if I can get some help from this sub. I was not at fault.

    The vehicle is a 2006 lexus es330 totaled in essex country MA. Two prior rear-ends, 170K miles, clean inside and out. Their valuation is $3500 base, plus $27 for condition, minus $232 for prior damage netting to $3.3K. I cannot find a similar condition car for this price anywhere… so it seems to be fairly low given edmunds is about $5.5K and they quote NADA as $5150 (but then drop $500 for milage netting $4650).

    Allstate uses a third party valuation company (CCC).

    They also state that comperables need to be from a dealer, not third parties…

    They list "comparables" that are no longer listed for sale so hard to verify much of the detail, the additional comps are not in my state but in NJ….

    So for comp valuation it gets somewhat weird, they have

    $7K(138K miles) – 1.3K (for miles) – $750 Condition adjustment = $4.5K

    $5K(172K miles) + 111 (for miles?!) – $750 condition adjustment = $3.7K

    $5K(132K miles) – 1.3K (for miles) – $750 condition adjustment = $2.2K

    There are some slight differences in the options, but it's unclear that there ever were "rear power shades" in this car…. and unless there was an exhaustive pull from "local dealer" not sure they had this detail (it wasn't provided in a summary only their "column of checks", another ?? is "xenon lights" which weren't around so would have had to be aftermarket and dealer would have had to put that detail in… (which I'm a bit dubious).

    "Condition adjustment sets the comparable vehicle to private owner condition which the loss vehicle is also compared to in the vehicle condition section."

    This seems sort of BS and arbitrary.

    Also the math on the comps is weird, milage takeoffs seem non-sensical.

    Spoke to the adjuster nicely and told him new tires (about $900) are 15 months old and he said if within 12 then send receipts.

    Other than that, $3,3K was their best offer (I do want to retain the car so then they remove $770 – their total valuation).

    I know the game of insurance is to pay out the lowest they can… so wondering if there's anything I can go back to them with given this summary. The condition adjustment seems to be weird as do the adjustments of the comps but not sure.

    Thanks in advance and happy to add details.

    Vehicle total loss valuation (allstate) – any help appreciated
    byu/waffles2go2 inInsurance



    Posted by waffles2go2

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