How to dispute an insurance total loss settlement on a car?

I just started college at Columbia a couple of months ago, and I totaled my car while moving in. I received a total loss settlement for the vehicle, but it's drastically low. What is the best way to dispute a total loss settlement on a car?

Answer
Disputing with your insurer can seem like a stressful process, but following these tips can get you the best result.
If you are not happy with your insurer’s appraisal of your totaled vehicle, you can hire an independent appraiser through local body shops and garages. Keep a detailed record of their inspection findings so you can challenge your car insurance company’s assessment.
If your insurer holds onto their appraisal, you may also visit your local department of insurance. Through this process, a state representative will be dispatched to investigate your claim and determine whether your insurer acted unjustly with your settlement.
If either of these routes fails, you may also try:
  • Arbitration: Use a third party to oversee the dispute and make a decision
  • Litigation: While litigation is an option, lawsuits are costly and time-consuming, so this is the last resort
Starting college can be financially stressful as it is, and you don’t need to add to your stress by arguing with your insurance company. If you find yourself paying too much for car insurance after an accident, then you should let the experts at Jerry help you find the most competitive auto rates.
In less than 45 seconds, Jerry collects all of your information from your existing insurer. You can choose from competitive quotes from up to 50 top insurance companies and Jerry takes care of the rest. No long forms. No hard work. Just savings.
Carlos Kirby
Answered on Nov 09, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!
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