Can I get a second opinion if my vehicle is marked a total loss?

I was in an accident and my insurance says my car is a total loss. It doesn't seem like that much damage and I'd rather just get my vehicle repaired. Can I request a second opinion?

Answer
“It can be frustrating when your insurance company doesn’t agree with you or declares your vehicle a total loss.
As your car insurance has the final say in determining if your vehicle is a total loss, you won’t be able to get a second opinion. However, there are some things you can do.
If you want to repair your vehicle instead of receiving a payout, you may be able to negotiate with your insurance. Typically they won’t pay out the entire actual cash value of your vehicle; instead they’ll only give you a portion. You’re then responsible for completing all necessary repairs.
Depending on where you live, you’ll have to register your vehicle as salvaged. Anytime a vehicle is marked a total loss but is repaired or rebuilt, your state’s DMV may require a salvage title.
Another option you have is working with the adjuster on your claim. You can ask them to review the damage again and provide them with reasoning as to why you feel your vehicle shouldn’t be marked a total loss. You can see if another repair or auto shop may quote you lower for repairs.
Be sure to keep in mind that the actual cash value of your vehicle needs to be more than the repairs. If your repairs cost more than your vehicle’s worth, this would deem it a total loss regardless.
One word of warning: getting insurance (especially full coverage) for a salvage title is notoriously difficult. If you want to get the best deal on the coverage that you can get, try checking out Jerry. We’ll get you customized quotes from different providers so that you can choose the plan that works best for you. We can even help you switch providers.
Saving a car you’ve loved driving can take a lot of work, but it’s worth it if you have a lot of sentimental value invested in it. Best of luck!”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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