Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout
Has your car insurer written off your vehicle and offered a payout you think is too low? For $49 we draft a formal, evidence-backed letter disputing the valuation: it sets out your car's make, model, year, trim, kilometres and condition, marshals your comparable listings and sales to show the real market value at the time of loss, asks the insurer to provide its valuation report and the basis for its figure, and asks it to review and increase the payout to reflect the evidence — then sets out your escalation options (the insurer's internal dispute resolution, then AFCA). You download it straight away and send it yourself.
What this document does
- For $49 we draft a formal, evidence-backed letter disputing the valuation: it sets out your car's make, model, year, trim, kilometres and condition, marshals your comparable listings and sales to show the real market value at the time of loss, asks the insurer to provide its valuation report and the basis for its figure, and asks it to review and increase the payout to reflect the evidence — then sets out your escalation options (the insurer's internal dispute resolution, then AFCA).
- You download it straight away and send it yourself.
- Records the facts that matter on paper: insurer's offered payout, what you believes it was worth, insurer (name on policy), insurer claims/disputes contact.
- Sets a clear deadline and spells out what happens if they ignore it.
- Delivered as a PDF you download the moment it is ready.
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- What payout has your insurer offered for your written-off car?
- What do you believe the car was actually worth at the time it was written off? Your best estimate, based on what the same car sells for.
- Which insurer made the offer? Use the insurer's name as it appears on your policy or the offer letter — this is who the letter is addressed to.
- The insurer's claims or disputes contact, if you have it (from the offer letter, the policy or their website).optional
- What is your claim number (and policy number if you have it handy)?optional
- Does your policy pay MARKET VALUE or an AGREED VALUE? Market value is what the car was worth at the time of loss; agreed value is a fixed sum you and the insurer set when you took out the policy. Check your policy schedule if you are not sure.
- Tell us about the car: make, model, year, variant or trim, and the kilometres on it. Be specific — the exact variant and odometer reading matter.
- What condition was the car in before the loss, and did it have any features, options, upgrades or modifications that add value? Service history, towbar, alloys, upgraded sound, that sort of thing.optional
- This is the heart of your case: list the comparable cars for sale or recently sold that match yours — same make, model, year, trim, similar kilometres and condition. For each, give the asking or sale price and where you saw it (the website, dealer or listing). The closer the match, the stronger your argument.
- Did you spend money on the car recently that the market would pay for — new tyres, a major service, a battery, accessories? Roughly when and how much, if you know.optional
- Have you already disputed the offer with the insurer? If so, when, how, and what did they say?optional
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
Total-Loss Valuation Dispute — drafted to the right state law
One document, eight jurisdictions. We only ever cite the Act, regulator and tribunal for your state, so nothing from another jurisdiction bleeds into your total-loss valuation dispute.
New South Wales
Drafted under the law that applies in New South Wales.
Victoria
Drafted under the law that applies in Victoria.
Queensland
Drafted under the law that applies in Queensland.
Western Australia
Drafted under the law that applies in Western Australia.
South Australia
Drafted under the law that applies in South Australia.
Tasmania
Drafted under the law that applies in Tasmania.
Australian Capital Territory
Drafted under the law that applies in Australian Capital Territory.
Northern Territory
Drafted under the law that applies in Northern Territory.
From your answers to a finished Total-Loss Valuation Dispute in three steps
Answer 11 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We draft it for your state
Your Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout is drafted to the legislation, regulator and tribunal for your state or territory, then formatted as a professional PDF. Usually ready within about five minutes.
Review, confirm, receive
The draft lands in your dashboard for you to read. Change anything that isn't right (two free amendments), confirm it, and we email you the final PDF. Nothing is sent to anyone else.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Total-Loss Valuation Dispute — $49 →$49 flat fee · You review it first · unlimited edits
Everything about the Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout
How much does the Total-Loss Valuation Dispute cost?
A flat $49 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 11 questions, which take a few minutes to answer. After you pay, your draft is usually ready in about 5 minutes, and you can read it and request changes before you approve it.
When do I get the document?
The draft of your Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout is usually ready in about 5 minutes. You read it on your dashboard and can change the wording; once you confirm it, the final PDF is available to download and emailed to you.
What if I need changes?
You read the full Total-Loss Valuation Dispute on your dashboard first. You can change the wording or ask for a redraft, with unlimited edits and 2 redrafts included, then confirm it and the final PDF is yours to download and keep.
Does it work in my state?
Yes. The Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout is drafted to the law of the state or territory the matter is in — NSW, Victoria, Queensland, WA, SA, Tasmania, the ACT and the NT — citing the right Act, regulator and tribunal or court for that state.
Other government & complaints documents
Put it in writing today.
A few quick questions and your Car-Insurance Total-Loss Valuation Dispute — Challenge a Low Write-Off Payout is drafted for your state. No card required until the end.
Start My Total-Loss Valuation Dispute — $49 →