Claim guides
Long-form guides from Reclaim on diminished value, total-loss offers and the paperwork behind them.
How Is Actual Cash Value Calculated for a Totaled Car?
Learn how insurers calculate actual cash value on a totaled car: comparables, mileage and option adjustments, condition, and how to check the math yourself.
Read the guide · Updated October 13, 2026
Total Loss Offer Less Than What I Owe on My Loan: What Now?
Your car was totaled and the payout won't cover the loan. Learn who gets the check, how GAP coverage works, and how to check whether the ACV is too low.
Read the guide · Updated October 13, 2026
Total Loss Settlement Sales Tax and Title Fees: Are They Included?
Does a total loss settlement include sales tax and title fees? Learn how they are usually handled, how to check your offer, and what to ask.
Read the guide · Updated October 13, 2026