What do I do if I disagree with my insurance company's decision that my car is a total loss?

I got into a pretty bad crash and my car got the worst of it. The insurance adjuster decided that my car is a total loss, but I think it can still be saved. What do I do?

Answer
“I’m so sorry to hear about your accident and that your car’s pretty bad off!
There are some things you can do if you think your car isn’t a total loss. Sometimes you can debate with your insurance provider, if:
  • you have evidence that your vehicle is worth more than the number the insurance adjuster is giving you.
  • you don’t believe your vehicle should be deemed a total loss.
It’s helpful to know what the ACV or the Actual Cash Value of your car is, as this gives you negotiation power. If your insurance company isn’t budging, you can also hire an attorney to help you negotiate with the insurance company.
You will likely see an increase in your rates after an accident. If the rates are too high, try using Jerry to help you build a relationship with a new insurance company. Jerry compares rates from the top 50 providers and delivers the best deals to your phone in minutes.
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Alexah Grinnell
Answered on Aug 06, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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