Total Loss &
Diminished Value Negotiation
Hundreds of drivers have trusted us to fight their lowball insurance offers and win.
- Rated ⭐⭐⭐⭐⭐ (5/5) stars by hundreds of drivers.
- No cost to you, fee covered by the settlement.
- 20+ years of experience.
Don’t Let a Lowball Offer Cost You Thousands
Insurance companies routinely undervalue Total Loss and Diminished Value vehicles — and they fight you at every step.
I negotiate on your behalf using the Appraisal Clause or Right to Appraisal (RTA) in your policy to secure a higher, fair settlement.
It's the only way to get a fair settlement at no cost to you.
"Aaron did a wonderful job dealing with my insurance and was able to get significantly more than my insurer was offering. He also helped me get reimbursed by the other insurance company for my car rental. Can’t say enough about his professional approach"
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"The day after our auto accident, my wife and I were referred to Aaron at Auto TLC separately by two different sources: the local salvage yard that had our vehicle and a lawyer who is a trusted family friend. When our insurance company offered a payout that was obviously below fair market value for our car, we called Aaron immediately. Within the 2-week timeline Aaron quoted us, the insurance payout for the accurate value of our car was in our bank account, saving us thousands of dollars..."
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"Aaron was great to work with.
Bottom line is I ended up with $2000 in my pocket that I wouldn’t have had and Aaron did all the work!"
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"Aaron was super easy to work with, responsive and most importantly got me a few thousand dollars more that what the insurance company offered. I hope I don't need his services again, but if you do... don't hesitate. He's the only trustworthy person in a complicated process that works against you. I'm grateful I hired him."
"Aaron Castillo was a breath of fresh air at a time when we were unsure about where to go with our diminished value claim from a rear end collision. He is well informed, thorough and courteous and he acted quickly to resolve our claim successfully. I would recommend Auto TLC to anyone in this unfortunate position."
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⚠️ Never accept a lowball Total Loss or DV offer.
Get a Free Appraisal
Save hours of researching car values on your own. Find the true market value of your vehicle. We give you a free ballpark appraisal. No obligations.
Invoke the appraisal clause
Our service includes a certified independent appraisal and negotiation form a licensed public adjuster. We handle everything to invoke the "Right to Appraisal" (RTA) or the appraisal clause in your contract.
Collect the highest payout
We take no money upfront and you get fair settlement no cost. We take the stress out of negotiations. Our proven insurance claims dispute services handle the entire process for you. Our fee is covered by your settlement.
Jim was offered $10K less than fair market for his Total Loss.
When Jim's new Toyota Tundra was totaled, insurance lowballed and wouldn't budge. They only offered him $30,000 (10K too low) for a settlement.
His truck was worth $40,000 fair market price.
We got Jim $10,000 more from insurance in one week. We used a stock photo and rounded the numbers but this is a true story.
⚠️ Your Insurance Adjuster Will
Try To Trick You.
We Get You More.
In Three Steps.
1. Free Appraisal
Get a report of comparable vehicle values, for free. So you can tell insurnace to take a hike with the lowball offer.
2. We Negotiate
Save weeks of stressful negotiations. We handle the independent certified appraisal and the negotiation for you.
3. Insurance Pays
Your insurance sends you a check, much bigger than the initial offer. That's when you pay us and write a glowing review (if you choose).
Don't Fall For Insurance's Dirty Tricks.
👎 Lowball Initial Offers.
An unfair valuation is used to calculate Total Loss and Diminished Value offers.
🔍 The comparables game.
Don't waste your time finding comparable vehicle values.
🤐 Not showing you an appraisal.
By law you are supposed to get the appraisal report they used for your offer.
🧱 Stonewalling.
Waiting on hold for hours, bureaucracy, and misinformation.
Get Your Insurance Problems Solved.
Recover your lost vehicle value at no cost to you.
Higher settlements: Your settlement covers our fee and gets you more than negotiating alone.
No money upfront: Pay when your claim is settled.
No insurance hassle: Save weeks of dealing with your insurance company.
Hundreds Of
5-Star Reviews.
We have over 100 ⭐️⭐️⭐️⭐️⭐️ (5/5) reviews
on Google.
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Our Total Loss & DV service costs you nothing.
Settlements normally cover our fee. We only get paid when you do. Our flat fee is based on claim complexity, not settlement amount.
What's included:
- Certified Independent Appraisal
- Insurance Claim Negotiation
Aaron Castillo — Licensed Public Adjuster
Liscensed in CO, TX, and WY.
Your Reliable Partner In Insurance Disputes
Licensed Public Adjuster
Licensed Public Adjuster in CO, TX, WY with extensive industry experience.
A+ Better Business Bureau Rating
Proudly holding an A+ rating for service excellence.
Highly Rated by Past Clients
Hundreds of (5/5) star Google reviews reflect our commitment to our clients.
Don't Let Insurance Take Your Money.
Have Aaron a public adjuster with 20 years of experience handle your claim for you.
Frequently Asked
Claims Questions.
Your questions about total loss and diminished value claims answered.
Notify your insurance company of the loss immediately and provide documentation. Submit police reports, tow bills, photos of the vehicle and any repair estimates you may have. Insurance will have certain requirements you must fulfill in order for the claim to be valid. Your policy contract will detail the process.
The insurance company will review the overall condition of the vehicle, the mileage, the options and trim level. Your vehicle's pre-loss value is compared to the local market value. These all are unique factors that go into the total loss "actual cash value" or ACV. They submit this information to their third party vendor that will evaluate the vehicle and create a market valuation report. The comparable vehicles used should be an "apples to apples" comparison.
Diminished value claims address the loss in value of your vehicle after an accident, even after repairs. This claim compensates you for the reduction in your car's worth.
The timeline for total loss and diminished value claims can vary based on several factors. Typically, it can take a few weeks to a couple of months to reach a resolution. Our team works diligently to expedite the process for you.
If your claim is denied, don't lose hope. We can review your case and help you understand your options for appeal. Our negotiation experts are here to advocate on your behalf.
Still have questions?
Reach out to Aaron today!
Win the fight with insurance
Learn everything you need to know about your claim.
