Terms & Conditions

1. Overview

These Terms & Conditions govern your use of the Total Loss Value Expert website and services. By

accessing this site or purchasing any service, you agree to be bound by these terms.

Total Loss Value Expert provides independent insurance valuation reviews and consulting services

intended to assist consumers in evaluating total-loss settlement offers. We are not an insurance

company, law firm, or public adjusting firm.

2. Nature of Services

Our services consist of reviewing insurance total-loss valuations, market data, and settlement

documentation to determine whether an insurer’s offer appears consistent with fair market value.

We do not guarantee a specific outcome, settlement increase, or insurer response. Final claim

decisions remain solely with the insurance carrier.

3. No Legal or Insurance Representation

Total Loss Value Expert does not provide legal advice, act as legal counsel, negotiate settlements on

your behalf, or represent you in court or arbitration.

Clients are encouraged to consult an attorney or licensed professional if legal representation is

required.

4. Client Responsibilities

You agree to provide accurate, complete, and truthful information related to your claim, vehicle, and

insurance documents. We are not responsible for outcomes affected by incomplete, inaccurate, or

misleading information provided by the client.

5. Fees & Payments

Service fees are disclosed prior to purchase. Some services may be non-refundable once work has

begun. Refund eligibility, if applicable, is outlined in our Refund Policy.

Success-based services are contingent upon documented increases to the insurer’s settlement amount

and are calculated according to the terms disclosed at purchase.

6. No Guarantee of Results

While we use industry data, valuation tools, and professional analysis, results may vary. Insurance

carriers are not required to accept third-party valuations, and no outcome is guaranteed.7. Limitation of Liability

To the fullest extent permitted by law, Total Loss Value Expert shall not be liable for any indirect,

incidental, consequential, or special damages arising from use of this site or services.

Our total liability shall not exceed the amount paid by the client for the specific service rendered.

8. Intellectual Property

All content on this website, including text, branding, logos, and materials, is the property of Total Loss

Value Expert and may not be reproduced, distributed, or used without written permission.

9. Third-Party Tools & Links

We may reference third-party valuation sources, insurers, or tools for informational purposes. We are

not affiliated with or responsible for the content, accuracy, or actions of third-party entities.

10. Modifications

We reserve the right to update or modify these Terms & Conditions at any time without prior notice.

Continued use of the site constitutes acceptance of any changes.

11. Governing Law

These terms are governed by and interpreted in accordance with the laws of the United States, without

regard to conflict of law principles.

12. Contact Information

Total Loss Value Expert