Total Loss Dispute Assessment

When an insurance company declares your vehicle a “Total Loss,” their payout offer is often based on generic depreciation tables and “industry averages” that ignore the true market reality. At OA SERVICES, we believe your settlement should reflect what it actually costs to replace your asset in today’s market. Our total loss dispute assessment provides the forensic market data and technical authority you need to challenge an undervalued offer and reclaim your rightful equity.

The Anatomy of a Successful Total Loss Dispute

Most owners accept the first number an insurer gives them because they lack the technical data to fight back. We bridge that gap. Leveraging our database of 12,286+ assessments, we provide a “Gold Standard” valuation report designed to win. Our total loss dispute assessment includes:

• Forensic Market Analysis: We move beyond “red-book” basics, conducting a deep-dive into current Australian market availability, recent sales data, and specific vehicle condition to prove a higher replacement value.
• Feature & Modification Auditing: Insurers often overlook expensive aftermarket additions, rare trim levels, or recent mechanical refurbishments. We ensure every dollar invested in your vehicle is accounted for in the final valuation.
• Independent Technical Justification: We provide a formal, evidence-based rebuttal to the insurer’s “Market Value” or “Agreed Value” calculation, using professional methodologies that insurance adjusters cannot easily dismiss.
• Expert Dispute Advocacy: Our reports are built to the highest standards of the Australian legal and insurance sectors, providing the undisputed weight of authority needed for AFCA (Australian Financial Complaints Authority) or internal dispute resolution.

Why 2,231+ Clients Trust OA SERVICES to Win Their Disputes

In a total loss scenario, the difference between a “standard” assessment and an OA SERVICES assessment can be thousands of dollars. While competitors offer generalist opinions, we provide a data-backed offensive.

• Absolute Independence: We have no allegiances to insurance panels. Our only goal is to maximize your settlement by providing a truthful, forensic valuation of your asset.
• High-Velocity Results: We understand that you need your settlement to move forward. Our modern workflow delivers comprehensive dispute reports with industry-leading speed, cutting through the insurer’s “delay tactics.”
• Proven Track Record: With over 12,000 assessments completed, we know exactly how insurers calculate their numbers—and we know exactly how to challenge them effectively.

Your car isn’t just a line item on a spreadsheet. Secure a total loss dispute assessment that treats your asset with the expertise it deserves.