Your vehicle is worth more than your insurance wants to pay.
With over 20 years of experience, Total Loss Colorado guides you to the maximum payout you deserve on a total loss claim — and hands you a $250 check once your claim settles.
- $250
- Cash back at settlement
- 20+
- Years of experience
- $0
- Cost for assessment
Leave the insurance headache to TLC.
If you believe damage to your vehicle from the recent Colorado hail storms may deem it a total loss, we are here to help. Our team prides itself on helping customers navigate the total loss process — start to finish.
Your vehicle must remain at our shop so we can process and assess the damage. TLC stores your vehicle while you and your insurance provider come to an agreement on the terms of the claim. Your insurer pays the agreed total loss amount — and TLC pays you an additional $250.
Do not settle for less.
There are many factors that determine how a vehicle is deemed a total loss. Our team is here to advocate for you. Call 720-712-3561 to schedule your vehicle and receive $250.
Colorado law · C.R.S. § 42-6-102(17)(a)
There is no salvage title on a Colorado hail damage claim.
The legal definition of a "salvage vehicle" specifically excludes vehicles declared a total loss solely due to hail damage. If your vehicle is totaled from hail in Colorado, you retain a clean title.
How it works
Four steps to a bigger payout
Call or submit the form
Free phone consultation. If you haven't filed a claim yet, we'll walk you through it at the shop.
Drop off your vehicle
Valet service in the Denver Metro, towing if it's inoperable, and an Uber/Lyft home or to work if you need a ride.
We assess & document
Our team documents the hail or collision damage and provides a free assessment to your insurance provider.
Settle & get paid
Once you and your insurer agree on the total loss settlement, you get paid — plus a $250 check from TLC.
No salvage title on CO hail claims
Under C.R.S. § 42-6-102(17)(a), a vehicle totaled solely from hail damage is excluded from the salvage definition — you keep a clean title.
20+ years of experience
We know how insurers value vehicles. Do not settle for less — your vehicle is worth more than your insurance wants to pay.
Valet & towing available
Free valet pickup within the Denver Metro. Towing available for inoperable vehicles or a broken windshield liability.
Zero cost consulting
Our consultation and vehicle assessment cost you nothing. No fees, no games, no pressure.
Hail or collision
Recent Colorado hail storms are our specialty, but we handle collision total loss claims too.
Ride home on us
No ride at drop-off? We'll cover an Uber or Lyft to your home or work.
Insurance claim guide
What actually happens during a total loss claim.
Every carrier runs the same basic playbook. Knowing each stage — and what they are looking at — is the difference between the first offer and a fair one.
- 01
Day 0–1
File the claim
Report the loss to your carrier and get a claim number. You need eligible full coverage on the date of the claim — comprehensive covers hail, collision covers impact. Liability alone will not cover a total loss.
- 02
Day 1–3
Inspection & documentation
An adjuster or photo-estimate app reviews the damage. We photograph every panel, log options and trim, capture mileage and service history, and put a complete file in front of your adjuster.
- 03
Day 3–10
Repair estimate vs. actual cash value
The insurer compares the repair estimate to your vehicle's actual cash value. When repairs approach their threshold, the vehicle is declared a total loss instead of being repaired.
- 04
Day 7–21
Valuation & negotiation
The first offer is built from comparable listings and condition adjustments — and it is a starting point, not a final number. Wrong trim, missing options, or unlogged condition can cost thousands.
- 05
Settlement
Keep it or turn it over
You decide whether to retain the vehicle or surrender it to your insurer, based on your settlement agreement. If you turn it over, collect all belongings from the vehicle first.
- 06
Payout
You get paid — plus $250
Your insurer pays the agreed total loss amount, and TLC hands you an additional $250 check. Your vehicle must be scheduled in and remain at our shop through the agreement.
Have this ready
The stronger your documentation, the harder it is for a carrier to undervalue your vehicle.
- Policy declarations page (proof of full coverage)
- Claim number and adjuster contact
- Current mileage and VIN
- Trim level, packages, and factory options
- Service and maintenance records
- Recent tires, battery, or major repairs with receipts
- Pre-storm photos of the vehicle, if you have them
- Loan or lease payoff amount, if financed
Claim questions, answered
Customer stories
Colorado drivers who didn't settle
"Golf ball hail wrecked my Tacoma. TLC walked me through the whole claim and the payout was thousands more than the first offer. Plus the $250 check."
"I had no idea my car could be totaled from hail and still keep a clean title. They explained everything and handled the shop side completely."
"Dropped the car off, they got me a Lyft home, and kept me updated the whole time. Zero stress compared to dealing with my adjuster alone."
"The free assessment was worth it alone. My insurance came up significantly after TLC sent over their documentation."
"Vehicle wasn't drivable so they towed it. Honest people, no games, and they actually answer the phone."
"20 years of experience shows. They knew exactly what to push back on. Settled for way more than I expected."
"Golf ball hail wrecked my Tacoma. TLC walked me through the whole claim and the payout was thousands more than the first offer. Plus the $250 check."
"I had no idea my car could be totaled from hail and still keep a clean title. They explained everything and handled the shop side completely."
"Dropped the car off, they got me a Lyft home, and kept me updated the whole time. Zero stress compared to dealing with my adjuster alone."
"The free assessment was worth it alone. My insurance came up significantly after TLC sent over their documentation."
"Vehicle wasn't drivable so they towed it. Honest people, no games, and they actually answer the phone."
"20 years of experience shows. They knew exactly what to push back on. Settled for way more than I expected."
Let us help get you paid.
Free consultation by phone. Free vehicle assessments by appointment at 4455 E 46th Ave, Denver CO 80216.