Phoenix Total Loss Appraisal
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Phoenix total loss claims still follow Arizona law. The state uses a Total Loss Formula (TLF): if repair costs plus salvage value are greater than or equal to your car’s Actual Cash Value (ACV) before the crash, it’s considered a total loss. Learn more: state-by-state rules.

ACV is your car’s fair market value immediately before the accident—based on make, model, trim, options, mileage, condition, and local Phoenix–Maricopa County comps (Downtown, Arcadia, Ahwatukee, Glendale, Mesa). See how ACV is calculated: Fair Market Value.

Whether your claim is handled in Phoenix or elsewhere in Arizona, insurers owe your vehicle’s fair market value at the time of loss. If you use your own policy, your deductible may apply. If the at-fault driver’s insurer pays, there’s typically no deductible.

Yes. Ask for the full valuation report (CCC/Mitchell), verify that the comps truly match Phoenix-area vehicles, and present stronger local listings. You can also order an independent Phoenix total loss appraisal from SnapClaim: Phoenix Total Loss Appraisals.

Totaled vehicles in Phoenix are processed under Arizona MVD rules and receive a Salvage title. After repairs, the vehicle must pass MVD inspection before you can apply for a rebuilt/restored title and drive it again in Arizona.

Yes. Many Phoenix drivers choose to keep their totaled vehicle. Your settlement will be reduced by the salvage value, and you must follow Arizona’s rebuilt title process through the MVD before putting it back on the road.

Total loss settlements for Phoenix claims may include sales tax, title, and registration fees as required under Arizona law. Ask your adjuster for an itemized breakdown of all line items. More info: ACV & line items.

First, review the valuation report for out-of-area comps (for example, cars priced in other states or very different Arizona markets) or missing options on your vehicle. If it appears undervalued, order a certified Phoenix total loss appraisal from SnapClaim: Start your appraisal.

Phoenix claims follow Arizona’s statute of limitations for property damage, which is generally two years from the accident date. Don’t wait—act quickly while evidence, photos, and market data are current.

Vehicle prices can look very different in Phoenix compared with smaller Arizona cities. Trucks and SUVs often command a premium across the Valley, and commuter cars move quickly in central Phoenix. Using local Phoenix comps helps ensure your ACV reflects real resale conditions in your area—not a distant market.

Most auto policies used in Phoenix include an appraisal clause. If you and the insurer can’t agree on value, each side can hire an appraiser, and those appraisers pick a neutral umpire. The umpire’s decision sets the value, giving Phoenix drivers an additional layer of protection against undervaluation.

Yes. SnapClaim’s certified, USPAP-aware report can be used in Phoenix small claims court, arbitration, or mediation as part of your evidence on vehicle value. Details: Phoenix Total Loss.

Most Phoenix total loss appraisals are completed the same day—often in about an hour— so you can push back on a low offer and keep your claim moving quickly.

Negative equity is still your responsibility, even on a Phoenix total loss claim. GAP insurance—if you have it—can cover the difference between your vehicle’s ACV and your loan balance. A stronger ACV from a SnapClaim appraisal can help reduce that gap.

We build Phoenix-specific valuation files using verified comps from across the Valley (Downtown Phoenix, Scottsdale, Tempe, Mesa, Glendale, Chandler). Many Phoenix drivers recover thousands more than the original offer with a SnapClaim total loss appraisal. Start now.