Published on Mar. 5, 2026
Got story updates? Submit your updates here. ›
Gap insurance providers can now access comprehensive and accurate market value reports through Vehicle Value Analysis (VVA) to ensure fair settlements for total loss claims. This helps GAP providers reduce unnecessary liability exposure when vehicle owners’ insurance carriers undervalue claims, which can cost thousands. VVA’s valuation tools integrate with the Who-Owes-What Portal to centralize claims data and improve communication between all parties.
Why it matters
Erroneous ‘actual cash value’ estimates from vehicle owners’ insurance carriers often leave GAP providers liable for significant losses on total loss claims. VVA’s valuation solutions empower GAP providers to challenge unfair settlements, protect their financial interests, and ensure vehicle owners receive fair indemnification.
The details
VVA’s valuation reports can be obtained in minutes for a fraction of the cost of hiring a traditional vehicle damage appraiser. The reports provide GAP providers with structured, defensible documentation to evaluate total loss settlements, support appraisal decisions, and engage with claimants and carriers in a more transparent process. By identifying valuation discrepancies early, GAP providers can reduce unnecessary liability exposure while helping ensure insured borrowers receive fair indemnification.
VVA launched its valuation tools in March 2026.
The players
Vehicle Value Analysis (VVA)
A provider of accurate vehicle valuation reports based on real market sales data, offering solutions for attorneys, lienholders, and insurance providers.
Vehicle Value Experts
The parent company of VVA, founded in 2017 to provide analytical, sophisticated, and unbiased vehicle valuation data and information.
Robert McDorman
President of Auto Claim Specialists, a Texas-based public insurance adjuster firm licensed in multiple states.
Russ Parsons
President of Vehicle Value Experts.
Claim Transparency Innovations
The provider of the Who-Owes-What Portal, a platform designed to centralize all claims, enhance organization, simplify communication, and improve consistency for GAP providers.
Got photos? Submit your photos here. ›
What they’re saying
“The biggest victim of erroneous ‘actual cash value’ estimates is often the GAP Provider who is defenseless to contest proposed settlements.”
— Robert McDorman, President, Auto Claim Specialists
“When using appraisal services to reduce liability, the Gap Provider’s liability first gets eliminated, and then the surplus goes to the claimant. Incentivizing the claimant in this way is essential since their involvement is necessary to invoke the Right to Appraisal, but VVA’s services create an easy solution for determining a vehicle’s true value and demonstrating the benefits to the vehicle owner.”
— Robert McDorman, President, Auto Claim Specialists
“When the vehicle owner’s insurer under-indemnifies a total loss, the Gap Provider suffers. VVA Valuation Tools help determine whether this has happened and offers guidance on when it makes sense to convince (or contractually demand) the insured borrower to invoke the Right of Appraisal.”
— Russ Parsons, President, Vehicle Value Experts
What’s next
GAP providers can explore VVA’s valuation tools at vehiclevalueanalysis.com to access accurate market data and reduce liability exposure on total loss claims.
The takeaway
VVA’s data-driven valuation reports empower GAP providers to challenge unfair insurance settlements, protect their financial interests, and ensure vehicle owners receive fair indemnification, ultimately closing the valuation gap that has long disadvantaged GAP providers.