Last updated 2025-11-03

Total loss settlement review requirements

Estimators or appraisers must review a specific list of documents before settling a total loss claim.

Requirements

When settling a total loss, all applicable documentation, policy endorsements and related ClaimCenter information must be reviewed before completing a total loss settlement of a claim.

Specific information and documents must be reviewed, including
  • vehicle incident information in ClaimCenter
  • coverage details information in ClaimCenter
  • digital images of the vehicle
  • supporting documents provided by the customer
  • the Mitchell valuation or manual actual cash value (ACV) documentation and calculations including all excess endorsements
    • Replacement Cost Endorsement (APV286A)
    • New Vehicle Replacement Plus (NVR+)
    • Limited Depreciation Endorsement (APV297A)
    • Extra Equipment coverage (sold directly on the APV250).
Note: The APV286A and the NVR+ endorsement information are contained on the Replacement Cost Endorsement (APG33A) form.
The claim must include
  • a signed Vehicle Ownership Transfer Agreement Vehicle Ownership Transfer Agreement (CL96)
  • the appropriate total loss actions selected
  • confirmation of any past-due RTI debt , if applicable, and
  • no active claim or estimate holds.
Note: If there is no signed CL96, one must be obtained immediately, before the total loss settlement can be issued.
Important: In the event that the potential risk of fraud is suspected on a total loss settlement, refer to the topic, Managing the potential risk of fraud on a total loss settlement.
Parent topic: Total loss settlement policy