How can I get a new car after a total loss?

My car was completely destroyed in a car accident recently. How do I get a new one from my insurance claim?

Answer
I’m so sorry to hear about your totaled car. Here’s what you’ll need to do to get a new car if you have collision coverage:
  • File your claim as soon as possible in order to move the process along. Getting a new car can take a while, so getting started quickly will help you in the long run.
  • Get your totaled car towed to an auto body shop. Your insurer might require you to use a specific location, so check with your insurer about possible shops.
  • Agree on a payout amount. Your insurance company will determine the actual cash value (ACV) of your car. If you think it’s too low and you have proof that you kept the car in excellent condition, you may be able to negotiate a higher payout, depending on the company.
  • Sign your car’s title over to the insurance company.
  • Send any requested documents to your insurance adjuster.
  • Sign a settlement agreement.
  • Wait for your check to arrive in the mail.
  • Shop for a new car.
After a car accident, your insurance premium will most likely go up. To avoid this, use the Jerry app to find a new insurance policy. Jerry will find insurance quotes for you and help you find the cheapest insurance for free.
Liz Jenson
Answered on Nov 15, 2021
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