WorkflowPersonal Auto & Motor

Total Loss Settlement

Every total loss valued, checked and ready to offer in hours, with storage days and title chases cut.

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WorkflowDocuments in; a checked, signed result out.
6specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Valuation, comparables, title, lien payoff, taxes and fees all have to agree; one missed fee or stale comparable means a complaint, and the car sits in storage costing money every day.

What it does

How the solution handles it

Six agents read the estimate and valuation, test the state total-loss threshold (or 75% of IDV for an Indian constructive total loss), check comparables, taxes and fees, chase title and lien papers and draft the offer. A total loss adjuster reviews the cited worksheet and makes the offer.

How it works

How a total loss moves

Six specialist agents read, test, check, calculate, track and draft every total loss; a total loss adjuster makes the offer.

What comes in
Total-loss file5 kinds of record · estimate, valuation, title, lien, bids
Agents at work
Valuation readerestimate + valuation
Then
Threshold testerstate rule or IDV
Comparables checkerage, miles, options
Then
Taxes and fees calculatortax, title, fees
Then
Title and lien trackerpayoff and title
Offer letter drafterevery figure cited
A person decides
Total loss adjustermakes the offer
What comes out
Offer letter
Settlement worksheet
Title received
In and out

What it reads, and what it hands back.

What goes in

  • Repair estimate and photos
  • Valuation report and comparables
  • Title, lien and payoff letter
  • Policy, or IDV schedule in India
  • Salvage bids

What comes out

  • Settlement worksheet, cited
  • Total-loss threshold check
  • Offer letter draft
  • Title and lien checklist

Who uses it

TLTotal loss adjusterCSClaims supervisorSCSalvage coordinatorLLLienholder liaison
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
2hrs
from total-loss decision to an offer-ready, cited file
By hand3–5 days
With agents≈ 2 hrs
target
12checks
on every offer: threshold, comparables, tax, fees, title and more
12 of 12 checks
before every offer
estimated
5–7days
fewer storage days per total loss

State total-loss thresholds vary (often 60–100% of value, or a formula) · India: constructive total loss above 75% of IDV · “Target” = design goal, measured in the live solution · “Estimated” = our estimate

Built on the engine

6 specialist agents. One person decides.

Valuation readerrepair estimate and valuation
Threshold testeryour state’s rule, or 75% of IDV
Comparables checkerflags stale or distant comparables
Taxes and fees calculatorstate tax, title and fees
Title and lien trackerchases payoff and title papers
Offer letter drafteroffer with each figure cited
Total loss adjustermakes the offer

Build this
for your team.

We’ll show Total Loss Settlement running on your own documents.