was your car declared a total loss?

Don't Let Your Insurance Company Short Change You. We Can Help!

no upfront cost - 100% risk -free

The Problem

So you’ve had an accident and your car has been totaled. You’re worrying about injuries to yourself and others, and need to get things back to normal. You have work and other responsibilities to attend to like school and errands, etc. You need a vehicle fast.

Your insurer sends over the paperwork for your total loss settlement offer so you can collect your funds. You’re in a hurry to get back to “normal” and can make rash decisions by rushing to send them what they need to cut your check.


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The Solution

Total Loss Specialists will do the leg work for you to get a better offer from your insurance agency and PROTECT you in the process. Just send us the settlement offer from your insurance company. We take it from there and guide you through the process to make sure you get the maximum possible value for your vehicle.

We protect you, the consumer, from the rushing tactics and low offers. Insurers use third-party valuation services that make lower offers to placate the big, bad insurance companies. It isn’t fair. WE CAN HELP!

We're on your side

About Us

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Owner/Operator is Philip Jarnagin who has over 30 years of wholesale and retail auto dealer experience in both new and used vehicles on a retail and wholesale sales basis as well as over 12 years as a Texas licensed Property and Casualty insurance agent. Philip has bought and sold over 50,000 vehicles in the last 30 years.

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We use dealer proprietary auction tools as well as publicly available tools to analyze values and comparables in the wholesale and retail marketplace and develop a provable value for the vehicle that suffered a total loss.

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No risk

We are the #1 platform to advocate for consumers and protect their investment value when negotiating a total loss settlement with an insurance company. Our process is easy and on a contingency basis. If we don’t get you an increased settlement you pay nothing!

Our team

Meet the people who get the job done

Peter Bowes

Founding Partner

Michelle Watkins


Leo Greig


Haris Rice



What our Clients say

Meet Our Clients

Our Clients Trust Us

Send a Message. We will be in touch.

Fill out this form and we will get back to you ASAP. We will never share or sell your data.

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