Offer review
Keep the conversation factual and tied to the written policy, claim correspondence and documents you can verify.
- Obtain the valuation and settlement calculation
- Verify VIN, model, trim, options, mileage and condition
- Review comparable vehicles and adjustments
- Ask how taxes, fees, deductible and salvage are treated
- Confirm loan or lease payoff directly
- Ask for corrected calculations when an input is wrong
Settlement worksheet
Save originals and maintain a short communication log so requests, promises and open questions do not disappear across calls.
- Vehicle value before adjustments
- Each addition and deduction
- Stated taxes and fees
- Payoff amount and recipient
- Owner payment
- Title, salvage and release status
- Rental end date
Questions worth asking
Ask the representative to identify each valuation source, comparable adjustment, deduction, required document and condition that ends rental or storage coverage.