How Valofair Works
Our analysis combines insurer-specific valuation logic with human expert review — so every dispute is grounded in both data and experience.
How We Engage With You
✓ Scope agreed before we start
For every case we share a written scope and the exact steps we will take. You decide whether to proceed — there is no obligation to continue after the free analysis.
! What is not included
Valofair does not hire lawyers or pay legal fees on your behalf. If your dispute cannot be resolved through our intervention, you may engage a law firm directly. We will hand over every document we have used or produced for your case so you can continue without losing work.
Legal Framework by Country
France
Code des Assurances
Article L211-1 to L213-6: Insurer must prove valuation methodology and provide written justification for any deviation from market value.
L114-1: Insurers must pay fair market value for total loss claims within 30 days of settlement.
Germany
VVG (Insurance Contract Act)
§§ 1-5 and BGB §310: Insurer must pay compensation sufficient to restore the policyholder to the position before loss.
Standard: Fair market value per BVG/DEKRA guidelines or comparable market sales data.
For those who want the detail
Our Methodology Draws On
Our valuations are built on established European vehicle databases and market data sources — the same references used by insurers and independent assessors.
Copart EU
Auction data, 50k+ vehicles weekly
ClearVIN
Vehicle history, ownership records
BVG/DEKRA
Inspection reports, market trends
European Auto Markets
Country-specific pricing indices
Insurance Industry Data
Claims patterns, market benchmarks
Statistical Methodology
Comparable Vehicle Selection
We identify recent comparable vehicles in your area. Each comparable is weighted by market relevance.
Valuation Formula
Fair Value = Median(Comparables) × Condition Factor × Market Adjustment
Condition factors account for mileage, service history, accident damage. Market adjustments reflect seasonal and regional variations.
Gap Analysis
We calculate the difference between the insurer offer and our valuation, adjusted for claim-specific factors like depreciation method and residual value assumptions.