SERVICE AND AVAILABILITY
Total Loss Value Expert provides vehicle-value research and educational materials for drivers in all 50 states and Washington, D.C. The service is intended for a declared total loss before the customer accepts an offer. Tell us before purchase about any accepted offer, release, changed offer or deadline.

THE $50 ASSESSMENT
We review the supplied valuation, vehicle details and supporting market evidence. You receive brief written findings and a recommendation on whether the optional upgrade is worthwhile. We perform the underlying research at this stage. The $50 purchase does not include delivery of the full evidence packet or editable response. A finding that the offer appears reasonable is a valid assessment result.

THE OPTIONAL $200 UPGRADE
If recommended and purchased, we deliver the prepared PDF evidence packet and an editable factual response. The packet identifies supported corrections, comparable vehicles, dated sources, relevant differences and limitations. The price is $200 additional, or $250 total including the assessment. There is no percentage fee. Asking prices are not completed sale prices, and an insurer may disagree with the evidence.

DELIVERY
The assessment is delivered within 2 business days after payment and complete required documents. The upgrade is delivered within 1 additional business day after you choose it and pay. We confirm your actual due date. Delivery is by 5 p.m. Central Time; business days are Monday through Friday except U.S. federal holidays. We identify missing documents and discuss any material new information requiring rework rather than silently restarting the clock. If we cannot meet the confirmed date, you may decline a revised date and receive a refund for the undelivered stage. Our service does not extend insurer or legal deadlines.

YOUR CONTROL AND OUR ROLE
You verify the facts, edit any suggested wording, decide what to send and make your own settlement decisions. We do not contact insurers, negotiate, represent you, interpret coverage, provide legal advice or act as your policy appraisal-clause appraiser. No higher offer is guaranteed.

DOCUMENTS AND EVIDENCE
Provide the full valuation report, current itemized written offer, loss date, garaging ZIP, VIN, trim, mileage and relevant equipment or condition records. Use the submission instructions supplied for your order. Redact unrelated sensitive information. Do not provide insurer or bank passwords or full payment-card details. Notify us promptly of new offers or factual corrections. We do not fabricate comparables, sources or adjustments.

FOLLOW-UP
One factual revision for an insurer response or relevant new documents received within 30 calendar days of packet delivery is included, delivered within 3 business days after complete new information. This covers the same vehicle and loss. We correct our own factual or calculation errors without an extra fee.

REFUNDS AND THE UPGRADE PROMISE
The Refund Policy explains our $200 Upgrade Promise and is part of these service terms. In brief: for an upgrade we recommend, submit the relevant evidence and factual response within 14 calendar days after packet delivery; you may edit the response and must verify the facts. If the qualifying written vehicle-value increase is less than $200, the full $200 upgrade fee is refundable under that policy. The $50 assessment is excluded from that outcome promise. Loan-directed increases count. A final refusal or 45 calendar days after submission without a qualifying offer can establish eligibility; request within 90 days of delivery. Qualifying refunds are issued within 5 business days after complete reasonable proof.
Cancel the assessment before research starts for a full $50 refund. Cancel the upgrade before the packet is delivered for a full $200 refund, even if research is already complete. Cancellation is measured when your request is received, not when staff reads it. See Refund Policy for full proof, comparison, extension and non-delivery rules. These terms do not remove consumer rights provided by law.

ORDERS, PRIVACY AND CONTACT
We confirm the service, required documents, price and delivery date before payment. Keep a copy of the terms and order confirmation. Later website changes do not reduce an existing order's agreed rights. See Privacy Policy for information handling. For service, cancellation or refund questions, email info@totallossvalueexpert.com.