When your Texas auto insurer declares your vehicle a total loss, their initial actual cash value (ACV) offer is usually based on a CCC, Mitchell, or Audatex report. Those reports systematically pick the lowest comparable sales, apply aggressive condition adjustments, and ignore the Austin-specific market. The result: a number well below what your vehicle is actually worth.
The Texas Appraisal Clause
Almost every Texas auto policy contains an appraisal clause: when you and the insurer disagree on the ACV of a totaled vehicle, each side hires its own competent appraiser, and an umpire breaks any tie. We handle the entire process — appraisal, negotiation with the carrier's appraiser, and umpire submission if needed.
What an ASCAA Total Loss Report Includes
- Independent comparable analysis from the actual Austin/Central Texas dealer market.
- J.D. Power / NADA retail value with documented options and mileage.
- Audit of the insurer's CCC/Mitchell/Audatex report — specific comps challenged with documentation.
- Reconciled fair market ACV ready to submit under the appraisal clause.
How to Start
Call (877) 868-9123. Have your insurer's valuation report, the police/loss report, and photos of the vehicle ready.