My car is deemed total loss, dealing with insurance!

Intel McComic
Jun 5 13 Comments

Hi. What steps did insurance company followed if you have experience totaling your car?

My car is in the shop waiting for being appraised to confirm if it really is total loss. Instead someone random from insurance company called asking me if i give authorization to the shop to release my car to a salvation place. I told her, wait a minute you didnt even appraise it and want to tow it to a salvation place? Let me talk to my agent. I wrote to my agent handling the claim asking on what next steps will be and to tell me WHERE they plan to tow my car before I can agree to release it from the shop. It takes them at least a week to write back to me. Ghosting on and off. And storage fees hit $1900 already , my car had accident on May 11th!
Please share your experience. I want to find my own appraiser to double check but can't find one!
Thank you!

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TOP 13 Comments
  • DiscoverOrg / Cust. Srv. qeCw83
    I had a 12 year old RAV4 that got in an accident but was pretty much still drivable but because it sustained damage on the front and back Allstate determined it was more cost-effective to Total the car. I had evaluated the value of my car on Kelley Blue Book and what Allstate gave me was about $1,000 to probably $1,500 more than the best Kelley Blue Book evaluation. So it worked out for me. They arranged for a company to come pick the car up from my house while I was at work and cut me a check. It was really simple. I have no idea if I could have received more money for the car selling it privately with or without the damage Etc, but for me and what my time/peace of mind is worth to me, personally this was the best possible solution. I'd quit complicating the process for your insurance company (they do this all the time) and the whole process will go a lot faster.
    Jun 5 2
    • Intel McComic
      OP
      Thank you for sharing. I am glad it worked well with you!
      Jun 5
    • Intel McComic
      OP
      Update: right on. It worked well finally they appraised the car after one month into the damage and and at the max value of what Kelley Blue Book estimated for. + taxes and registration fees.
      Jun 7
  • New / Eng JEW✡️
    If it's total loss, they don't need to look at the car to appraise it. The appraisal is based on Make/model/year of the car, selected features and mileage on your odometer at the time of accident.
    Jun 5 2
    • Intel McComic
      OP
      I see. So i can directly ask them to email me appraisal report?
      Jun 5
    • New / Eng JEW✡️
      Yes. There are two standard software packages used in this industry. One from CCC Information Services and another from Mitchell. They just put info about your car into that system and it produces appraisal report. It's based on sales of similar cars in your area.
      Jun 5
  • State Farm phxfarm
    If they have not provided you a value you need to get that ASAP. Work directly with the people who work in claims. Agents tend to be in sales, not claims. They won't have the most current information on your specific claim and there probably isn't any value in making them a middle man between yourself and claims.
    Jun 7 0
  • They will pay you the market value of your car + taxes + registration.
    Jun 5 0
  • Amazon / Eng ewjX55
    If you're handy at all, you can buy your car back at a greatly reduced rate, fix it up, then sell it again. Ive done that, ive had friends that have done that. All of us made easily an extra grand or two over just getting salvage money. and we had old cars.
    Of course, it also depends on how wrecked your car is. If they bend the frame or unibody, even a little, theyll call it totalled even though its perfectly safe and drivable. A lot of times u could just sell it as is and someone will buy it
    Jun 5 2
    • SpaceX uevh5
      In some states the car will have a rebuilt/salvage title attached causing all kind of troubles.
      Jun 5
    • Amazon / Eng ewjX55
      This was in California
      Jun 6
  • Adobe mercury10
    Weren't they going to pay you out the value of the car? Why not let it go to salvage?
    Jun 5 1
    • Intel McComic
      OP
      They didn't appraise it yet. What if its lowballed? I also don't know which salvage place yet. It was too abrupt phone call without any written headsup from my insurance agent.
      Jun 5