About Texas Total Loss

Insurance companies have teams of adjusters and sophisticated software designed to minimize claim payouts. The average driver experiences a total loss claim only once or twice in a lifetime and is entirely unprepared to negotiate against an industry giant.

Texas Total Loss was established to level the playing field. We act as independent appraisers under the Texas auto policy appraisal clause, bringing specialized knowledge of local vehicle markets, appraisal methodology, and Texas insurance regulations to ensure vehicles are valued accurately.

Owner & vehicle appraiser

Matthew Lynch

Matthew Lynch is the owner of Texas Auto Claims LLC and leads Texas Total Loss, its dedicated total-loss valuation review and appraisal service. His automotive estimating and valuation experience informs a practical, document-driven approach to each review.

Matthew reviews insurer valuation reports, including reports produced through CCC ONE, Mitchell, and Audatex, for vehicle details, options, condition, comparable vehicles, and adjustments that may affect the reported value. Texas Total Loss serves drivers throughout Texas.

Estimating & valuation experience

Serving drivers statewide

The Limits of Our Services

We believe in transparency regarding what we can and cannot do:

• We are not attorneys. We do not provide legal advice, we do not file lawsuits on your behalf, and we do not handle bodily injury claims.
• We only determine value. If an insurance company denies coverage entirely, claims you caused the accident, or refuses to pay based on policy exclusions, appraisal cannot force them to pay. Appraisal only sets the amount of the loss.
• No guarantees. While we only take cases where we see clear evidence of undervaluation, the appraisal process involves an independent Umpire. We cannot guarantee a specific final settlement figure.