Automate total-loss valuation: VIN decode plus vehicle valuation workflow

Steps

1. Decode the VIN using the NHTSA vPIC public API: GET https://vpic.nhtsa.dot.gov/api/vehicles/decodevin/{VIN}?format=json — no API key required; extract make, model, model year, body style, and trim.
2. Pass the decoded vehicle attributes (year, make, model, trim, mileage, condition) to a vehicle valuation provider (e.g., Mitchell TotalLoss, CCC One, or J.D. Power/Autovio — consult each provider's partner portal for their specific endpoint and auth) to obtain the Actual Cash Value (ACV).
3. Compare the ACV to the repair estimate: if the repair cost plus salvage value exceeds ACV (consult your carrier's total-loss threshold formula, as it varies by state and carrier guidelines), classify the vehicle as a total loss.
4. Generate the total-loss settlement offer: ACV minus applicable deductible, plus tax, title, and license in states that require TT&L reimbursement (state law governs this — verify for each loss state).
5. Issue the settlement to the policyholder and obtain a signed title/release; report the total loss to the DMV in the loss state within the required timeframe (deadlines vary by state — consult state DMV regulations).
6. File the total loss with the National Motor Vehicle Title Information System (NMVTIS) through an approved data provider as required by federal and state law.