Total loss claims management, from valuation to lien payoff, title and salvage, with every day of storage priced
Total losses settled faster, with a value the customer can see the reasons for.
See one case, screen by screen ↓Software that carries a totaled vehicle through the steps after the total loss decision — valuation, the settlement offer, owner signatures, lien payoff, title and salvage — and shows where each car is waiting. Total Loss Claims Management adds six agents that build the value, write the letter, chase the payoff and title, assign salvage and price every day of storage, while adjusters and specialists approve.
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A total loss is not one decision. It is a vehicle value the owner has to believe, a settlement letter that itemizes every deduction, a payoff to the lienholder before the good-through date, a power of attorney and an odometer statement, a title from the lender or the state, a salvage title and a sale. Each step waits on someone outside the carrier — the owner, a co-owner, the lender, the state, the yard, the auction.
Any one of them can stop the car: a paper title mailed to an old address, a payoff letter that expired, a co-owner who has not signed, a reserve nobody reviewed. While the file waits, the tow yard bills storage by the day, and the desk usually finds out when the statement arrives. A value built without the full VIN build, or one the owner cannot follow, can turn into a dispute or an appraisal demand.
Estimated split for a typical financed total loss with a paper title, by hand and with the solution.
Six specialist agents value, explain, pay off, chase and sell; the adjuster and the title specialist approve.
Marisol Treviño’s 2019 Honda CR-V EX-L was rear-ended at a red light on US-183 in Austin on 2 September and towed to Ridgeline Tow & Storage at $45 a day. On Monday 12 October it is still there. Here is what happens next, screen by screen, in the working solution.
Keisha opens the journey: 46 total losses on the road through five stations — Valuation, Owner settlement, Lien payoff, Title received, Salvage sold — and 11 cars pulled aside because they are over target. Above every station is a storage meter, and the book total reads $720 a day.
“46 total losses on the road · 11 stopped”
The CR-V is the costliest stopped car: 28 days at Title received at $45 a day, $1,260 while held at this station and $1,800 on the claim since 2 September. Its own journey bar shows where every day and dollar went — 6 days towed and appraised, 1 at valuation, 2 at owner settlement, 3 at lien payoff, then 28 waiting for a title.
Keisha runs the checks again and the agents show each step. Caprock Auto Finance received the $14,862.17 payoff and released the lien on Wed 23 Sep, then mailed the paper title to 4417 Larkspur Bend. Ms. Treviño moved in August; the claim has her new address. Tracking shows the title delivered to the old one on Fri 25 Sep, 2:14 pm.
“The claim has her new address since Tue 18 Aug: 902 Mesquite Hollow Dr. The title went to the old one.”
The value came from 7 CR-Vs of the same model year, listed in the last 60 days within 75 miles, each adjusted at $0.08 a mile and for trim and drive. Two listings were left out with the reason: one had a rebuilt title, one was 112 miles away. The adjusted average of $22,022.57, less $520 for unrepaired hail dents on the hood (appraisal photos 14–17), gives an actual cash value of $21,503 — approved by Keisha.
“Rebuilt title: a branded title is never a comparable.”
The letter explains the value in plain words, then adds Texas motor vehicle sales tax of 6.25% ($1,343.94) and the $33 title fee and takes off the $500 deductible: $22,379.94, with $14,862.17 to Caprock and $7,517.77 to her. Before it went out it was checked for taxes and fees, every deduction itemized, no negotiation deduction and the current address. She accepted and e-signed the power of attorney and the odometer statement on Fri 11 Sep.
“If you disagree with the value, reply with any listing you think we missed, and we will look again.”
Luis works from Title and payoff: 21 cars, $86,023 in payoffs to send, two payoff letters about to expire (Wed 14 and Fri 16 Oct) and 12 titles waiting — 5 paper, 7 electronic. Each row shows the lender, payoff, good-through date, title type, signatures, days and storage, with the next step. One payoff expired on Fri 2 Oct; another is $1,859.50 more than the settlement, with the gap insurer still to be told.
The title tracker has drafted a request to Caprock’s title desk for a letter of guarantee, so the car can be sold while a duplicate title is obtained, and a written confirmation of the lien release. A text to Ms. Treviño is drafted too: pick up the title at her old address, or sign a prefilled request for a certified copy (Form VTR-34).
Drafted by the agent, sent by Luis.
Three bids for the CR-V: Northgate Salvage Auction, Austin South, at $5,100 (23.7% of the car’s value), Lone Star Salvage Pool at $4,850 and Bexar Parts Exchange at $4,600, which needs the title in hand. Northgate takes cars before the title with a letter of guarantee, charges no storage for 30 days and can pick up today at 2:30 pm.
“The salvage assigner proposes Northgate … Luis Ortega approves.”
Luis approves the move. The CR-V’s meter stops at $1,260, the letter of guarantee request goes to Caprock, the text goes to Ms. Treviño, and the book’s storage falls from $720 to $675 a day on screen.
“Moved to Northgate, meter stopped at $1,260.”
Insights prices storage by the station each car waited at: $34,300 in 8 weeks. Title received is the only station over target — a median of 17 days against 14 — and the station with the most storage paid, $11,895. Of 107 stops in the last 90 days, 38 were title paperwork and 27 were lenders.
The same totaled car, seen by the four people who carry it — what their week looked like, and what it looks like now.
Six specialist agents value, explain, pay off, chase and sell; the adjuster and the title specialist approve.
Decodes the VIN build, reads the appraisal and finds comparable listings; adjusts mileage, trim, drive and condition, and builds the value.
Writes the settlement letter and the owner’s explanation: each listing and adjustment in plain words, taxes and fees, the deductible and who is paid what.
Requests and reads payoff letters, tracks good-through dates and per diem, and flags payoffs larger than the settlement.
Follows each title, electronic or paper: lien release, mail tracking, owner address, power of attorney, odometer statement and the salvage title application.
Collects bids, proposes the buyer, reserve and pickup, and follows each car to sale.
Counts storage days at every yard, prices each day of delay by station every morning, and proposes moves that stop the meter.
Approve value, payments, moves. The agents propose; a named person decides.
Ask about any car, station, value or storage bill — or what to move first. Every answer points to its source.
Why is the Treviño CR-V stopped?
It has waited at Title received for 28 days (target 14). Caprock released the lien on 23 Sep and mailed the paper title to her former address, 4417 Larkspur Bend; it was delivered there on 25 Sep. Meanwhile Ridgeline bills $45 a day: $1,260 while held at this station, $1,800 on the claim. Northgate takes it now without the title.
What is storage costing my book?
16 cars are in yards that bill storage: $720 a day. While waiting at their current stations they have run up $6,410: Title received $3,420, Owner settlement $1,525, Lien payoff $930, Valuation $535. If nothing moves, the next 7 days add $5,040.
How was Ms. Treviño’s value built?
From 7 CR-V listings of the same year within 75 miles, each adjusted at $0.08 a mile and for trim or drive. They average $22,022.57; less $520 for earlier hail dents gives $21,503. Sales tax $1,343.94 and the $33 title fee are added, the $500 deductible taken off: $22,379.94. Two listings were left out: a rebuilt title, and one 112 miles away.
Which cars can go to auction before the title?
Four cars at Title received sit in yards that bill: Treviño (Ridgeline, $45 a day), Esparza and Harlan (Capitol City, $40 each), Brooks (Brazos, $50). Northgate takes all four without the title: $175 a day saved. Three need a lender’s letter of guarantee to sell; Brooks has no lien.
13 screens from the working solution, on its sample data. Pick one to see it large.
Yards, targets, valuation rules and authority are settings — each change versioned and on the audit trail.
| Setting | Default | Choose from |
|---|---|---|
| Station targets | 3 · 7 · 10 · 14 · 10 days | 1 to 30 days per station |
| Storage yards and daily rates | Ridgeline $45 · Lone Oak $55 · Capitol City $40 · Brazos $50 | Add or edit a yard |
| Move to the auction yard before the title | On | On · off |
| Comparable listings: radius and age | 75 miles · 60 days | 50 mi, 45 days · 75 mi, 60 days · 100 mi, 90 days |
| Mileage adjustment | $0.08 a mile | $0.06 · $0.08 · $0.10 a mile |
| Negotiation deduction from listing prices | Never | Fixed: listing prices are used as listed |
| Adjuster authority on a total loss | $40,000 | $30,000 · $40,000 · $60,000 |
| Who approves yard moves and salvage sales | Title and salvage specialist | Set per person under People |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample book · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (CCC Crash Course 2026: 27% of auto claims were total losses in 2025, 16% in 2022; J.D. Power via Repairer Driven News, Apr 2026: valuation models can be off by nearly $15,000 per vehicle without full build data). Rules are shown as context (NAIC Unfair Property/Casualty Claims Settlement Practices Model Regulation; Texas statutes). People, the carrier, lenders, yards and auctions named on this page are fictional — characters and sample data in the working solution.
Software that carries a totaled vehicle through the steps after the total loss decision — valuation, the settlement offer, owner signatures, lien payoff, title and salvage — and shows where each car is waiting. Total Loss Claims Management adds six agents that build the value, write the letter, chase the payoff and title, assign salvage and price every day of storage, while adjusters and specialists approve.
The valuation analyst decodes the VIN build, reads the appraisal and finds comparable listings of the same model year within the radius and age you set — 75 miles and 60 days in the working solution. It adjusts each one for mileage, trim, drive and condition, never uses a branded title and never takes a negotiation deduction. The adjuster approves the value.
Yes. The settlement letter lists the comparables and every adjustment in plain words, then the taxes, fees and deductible and who is paid what. It invites the owner to send any listing they think was missed, and reminds them they may ask for an appraisal under the policy.
Storage watch counts storage days at every yard and prices each day of delay by station every morning, so the desk sees the bill before the yard sends it. When a car in a billing yard can be taken by the auction, it proposes the move; once the specialist approves, the car’s meter stops.
Where the auction’s terms allow it, yes. In the working solution Northgate takes insurance vehicles pending title when the lien is released or the lender provides a letter of guarantee, and the title tracker drafts that letter for the specialist to send.
No. Agents never pay, never move a car, never file with the state and never send to an owner or lender without a person. The adjuster signs the value and the offer; the title and salvage specialist approves payoffs, yard moves and sales; disputes and values over $40,000 go to the supervisor.
The working solution runs on Texas rules — settlement contents, sales tax, prompt-payment clocks, salvage titles, odometer disclosure and lost titles — with the carrier’s own rules on top. Each agent check quotes the rule it applied, and the claims compliance team keeps the rule text current.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your state rules, letter templates, yard rates and a sample of past total losses — and it goes live once every quality gate has passed. We will walk you through it on your own total losses first.
A coverage position on day one, every answer tied to the policy wording.
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