About TLC
Denver's total loss advocates.
Total Loss Colorado was built on a simple idea: insurance companies should pay you what your vehicle is actually worth. We help our customers navigate the total loss process from start to finish — so you do not settle for less.
$250
Cash back at settlement
20+
Years of experience
$0
Cost for consultation
Leave the insurance headache to TLC.
If your vehicle has been damaged in the recent Colorado hail storms or a collision, you may be facing a total loss claim. That is where we come in. We guide you through the process, advocate for your best interests, and make sure your vehicle is valued fairly.
Our shop at 4455 E 46th Ave in Denver is the home base for every assessment. Once your vehicle is scheduled in and remains at our shop, we document the damage and provide a free assessment to your insurance provider. When your claim settles, you get the agreed payout from your insurer — plus a $250 check from TLC.
We are not a law firm, a public adjuster, or a body shop. We are a consultation and assessment service that helps Colorado drivers maximize their total loss settlement. The final negotiation is always between you and your insurance provider, but we make sure you walk into it prepared.
The clean title advantage.
In Colorado, a vehicle declared a total loss solely from hail damage is excluded from the salvage definition under C.R.S. § 42-6-102(17)(a). That means you keep a clean title — a huge advantage if you choose to retain and repair the vehicle.
Customer-first advocacy
We do not work for the insurance company. We work for you. Our job is to make sure your vehicle is documented fully and accurately so you can negotiate from a position of strength.
Transparent guidance
No jargon, no pressure, no hidden fees. We explain every stage of the total loss process in plain language so you can make confident decisions.
20+ years of experience
We have seen every adjuster tactic and valuation shortcut. That experience translates directly into higher payouts and fewer headaches for our customers.
Local Denver roots
We are based in Denver and understand Colorado insurance, weather, and the law — including the clean-title advantage on hail total loss claims.
How we work
Consultation. Assessment. Results.
Our process is designed around your convenience. We offer free phone consultations, valet service within the Denver Metro, towing for inoperable vehicles, and even a ride home via Uber or Lyft if you need one when dropping off your vehicle.
Appointments are highly recommended for total loss assessments so we can give each customer the time and attention their claim deserves. Walk-ins are welcome when possible, but scheduling ahead guarantees your spot.
Free phone consultation
Call 720-712-3561 anytime during business hours. We'll answer your questions and explain whether your vehicle may qualify as a total loss.
Free vehicle assessment
Bring your vehicle to our Denver shop or use valet/towing. We document damage, trim, options, mileage, and condition for your insurer.
Claim guidance
If you have not filed a claim yet, we walk you through it at the shop. We also help you assemble the documentation needed to dispute a low offer.
Settlement + $250
Once your insurer and you agree on a settlement, you receive the agreed payout from your carrier — plus a $250 check from TLC.
Ready to get started?
Fill out the form and we'll reach out to schedule your free assessment. Or call 720-712-3561 for a free phone consultation right now.
No fees. No pressure.
Our consultation and assessment services are completely free. We only ask that your vehicle is scheduled in and remains at our shop during the total loss process so we can provide the assessment that earns you an extra $250 at settlement.