California total-loss comparable rules
California gives a relatively detailed test for comparable automobiles and requires the settlement calculation to be itemized and explained in writing.
What the official record says
Section 2695.8 defines a comparable automobile as the same manufacturer, same or newer model year, same model type, similar body type, and similar options and mileage. A newer model year is used only when there are not enough same-year comparables. The rule requires a retail listing in the local market area within 90 calendar days of the final offer, vehicle and seller identification, and itemized supported adjustments. The consumer guide also says settlements include applicable taxes, license, and transfer fees.
What to check on the document
California’s rule provides concrete fields for a line-by-line review. Preserve the report and dated listing pages because availability is part of the test.
- Compare model year, trim-equivalent model type, body type, options, and mileage for every vehicle.
- Trace each positive and negative adjustment to an itemized explanation and dollar amount.
- Check local-market availability within the 90-day period and the required seller or vehicle identifiers.
How to use the result
Write the rebuttal around departures you can show. A supported mismatch is stronger than a general statement that the offer feels low. California’s consumer mediation program may apply to some disputes, but it excludes commercial auto coverage and third-party liability claims. Read the program requirements directly before treating mediation as available. A document packet does not replace that process or an independent appraiser.
The useful question is whether the report describes the same car and follows the rule that applies where the claim is handled. A listing is evidence of an asking price, not a conclusion about value. The free check can come back clean. If the comparables match and the report explains its adjustments, we say that the packet is probably not worth buying.
This is not an appraisal. We never state what your car is worth. We do not contact or negotiate with your insurer. You send the letter. Not legal advice; Reality Contact, LLC is not a law firm or public adjuster.