Total Loss & Diminished Value Independent Appraisals

Car Accident or Damaged Car?

Verify & Counter your Insurance offer Today!

We are the experts, taking the time to look through all the facts and details to create a proper valuation of your car or truck. It is important to ensure you are receiving the right value for your Total Loss (ACV) or Diminished Value Claim.

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Auto Expert trusted by Law Firms & Body Shops

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Our Appraisal Process

A clear path that ends with a stronger, evidence-backed number.

  1. Submit Info

    Send us your report or offer from the insurance company.

    This will either be a CCC One Report or Mitchell Report, often named “Valuation”.
  2. We Build Your Appraisal

    Digital report built from real-world comps and dealer-only data, accepted by all insurers.

    We document options, recent service, and history to ensure accuracy (≈48-hour turnaround).
  3. Send & Counter

    We send you a digital report to forward to your insurance contact handling the claim.

    They typically respond within 7 business days or less.
  4. Support

    Reports are compared and help you determine a fair valuation for your diminished value or total loss claim.

Total Loss Value & Diminished Value Claim Appraisals • Florida & Nationwide

The Trusted Experts

We are trusted by law firms and body shops to help their clients.

Independent & USPAP-Compliant
Accepted by State Farm, GEICO, Progressive, Allstate, USAA, Liberty Mutual, Nationwide, Farmers, and others.
We Only Serve The Public, Not Insurers
Accident victims, vehicle owners, attorneys, and body shop clients.
Florida-Wide + Nationwide
Jacksonville, Orlando, Tampa, Miami, Fort Lauderdale, West Palm, Daytona, Tallahassee, Pensacola—and remote service across the U.S.
Fast + Expert Support
Most reports in about 48 hours with real-world comps and verified condition.

Let Us Help You Today

Appraisals start at $399

You don’t pay until we deliver your completed report.

Many clients receive thousands more than the original insurance offer.

A letter from the Owner

I am looking forward to hearing from you and helping you receive a fair payout for your diminished value claim or total loss. As an automobile expert, my background consists of being a licensed FL dealer, certified automobile appraiser, and being trusted by law firms and body shops to help their clients. I have developed methods to build strong data backed reports that have led to countless Floridians receiving thousands more from their insurance claims. I only work for the people, never the insurance company. There is immense care and focus that goes into each client, ensuring you are informed and supported through the whole process.  

Thank you – Michael Brown

Ready to get started?




Verify & Counter your Insurance offer Today!

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YEARS MAKES MODELS
Auto Export Trusted by Law Firms & Body Shops

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Frequently Asked Questions

What is a total loss appraisal and when do I need one?
A total loss appraisal is an independent valuation of your vehicle’s actual cash value (ACV) after a car accident. You need one when the insurer’s offer seems low or relies on generic comps that don’t reflect your trim, condition, options, or local market.
What is diminished value after a car accident?
Diminished value is the reduction in market value that remains even after repairs. Buyers typically pay less for a car or truck with an accident history, and a documented appraisal quantifies that loss for your claim.
What is a CCC One or Mitchell reports?
Many carriers use CCC One or Mitchell to estimate value, but those reports can miss real-world comps, options, mileage adjustments, or condition. Our appraisal corrects those gaps with verified, market-accurate data.
Can I challenge a low total loss offer from my insurer?
Yes. You can dispute the valuation by submitting an independent car appraisal and asking the carrier to re-evaluate their number.
What documents do you need to start my appraisal?
The insurer’s offer or valuation report (CCC One/Mitchell), your VIN, mileage, options, condition notes, photos, service records, and any recent upgrades. We’ll tell you exactly what to send—fast and simple.
How fast can I get an appraisal report?
Most reports are delivered in about 24-48 hours after we receive your info. Complex cases may take longer, but we’ll keep you updated.
Are your appraisals USPAP-compliant and accepted by insurers?
Yes. We produce USPAP-compliant reports commonly accepted by State Farm, GEICO, Progressive, Allstate, USAA, Liberty Mutual, Nationwide, Farmers, and others.
How much does an appraisal cost and when do I pay?
Appraisals start at $399. You don’t pay until we deliver the completed report.
Do you cover all of Florida, and do you serve clients nationwide?
Yes—statewide in Florida (Jacksonville, Orlando, Tampa, Miami, Fort Lauderdale, West Palm Beach, Daytona, Tallahassee, Pensacola) and nationwide via remote service.

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Florida Total Loss & Diminished Value Appraisals — Accidents & Damage

If your vehicle was totaled or repaired after a crash, flood, hail, or theft and not happy with your offer or received no diminished value? Brown & Co. Motorcars provides USPAP-compliant total loss appraisals and diminished value reports that carriers recognize. Typical turnaround: 24–48 hours. Built from real-world comps, condition, and dealer-only data.

Florida Coverage — All Counties & Metros

Same-day intake • Insurer-accepted methodology • Attorney & body shop friendly

  • Miami total loss appraisal
  • Fort Lauderdale diminished value
  • West Palm Beach appraisal
  • Boca Raton insurance valuation
  • Homestead / Hialeah car value reports
  • Orlando total loss appraisal
  • Tampa diminished value appraisal
  • St. Petersburg accident appraisal
  • Clearwater DV report
  • Lakeland / Plant City appraisals
  • Jacksonville total loss appraisal
  • St. Augustine appraisal experts
  • Amelia Island valuation
  • Gainesville accident appraisal
  • Tallahassee insurance dispute help
  • Naples / Fort Myers total loss
  • Sarasota / Bradenton valuation
  • Daytona Beach diminished value
  • Port St. Lucie / Vero Beach appraisal
  • Melbourne / Palm Bay vehicle appraisal

Also serving: Ocala, The Villages, Sanford, Kissimmee, Winter Park, Altamonte Springs, Palm Coast, New Smyrna Beach, Ponte Vedra, Fernandina Beach, Delray Beach, Pompano Beach, Coral Gables, Pembroke Pines, Cape Coral, Bonita Springs, Panama City, Pensacola, Destin.

Nearby Southeast

  • Georgia: Atlanta, Savannah, Augusta, Macon, Brunswick, Pooler
  • South Carolina: Charleston, Columbia, Greenville, Hilton Head, Bluffton, Beaufort
  • Alabama: Mobile, Dothan, Phenix City

Nationwide Appraisals

Remote intake & digital delivery recognized by major carriers.

  • Texas (Dallas, Houston, Austin, San Antonio)
  • California (Los Angeles, San Diego, Bay Area)
  • New York / New Jersey (NYC metro)
  • Midwest & Mountain West (Chicago, Denver, Phoenix)

Florida Total Loss & Diminished Value Hubs

Select your city to view our local total loss and diminished value appraisal page.

Florida Total Loss Appraisals — Dispute CCC ONE & Mitchell Reports
Disclaimer

Brown & Co. Motorcars provides independent automobile appraisal and valuation services in an expert capacity only. We are not attorneys, public adjusters, or insurance company representatives. Nothing on this website or in our communications should be interpreted as legal advice, insurance adjusting, or a guarantee of any claim outcome. Any decisions about your legal rights, insurance claim, or settlement strategy should be made in consultation with a licensed attorney of your choice.

About Us

Brown & Co. Motorcars is a Collector Car Dealer specializing in Vintage 4x4s, European Classics, and Exotics. Curating only special automobiles for our inventory, which includes consignments that meet our standards. We offer certified automobile appraisals, total loss appraisals, diminished value appraisals, pre-purchase inspections, to those in North Florida, including Amelia Island, Jacksonville, Ponte Vedra, and Saint Augustine.

Contact Us

Michael@brownandcomotorcars.com

904-999-8291

Serving: Jacksonville, Ponte Vedra, St. Augustine, and all of North Florida.

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