What is a total loss?

When the cost of repairs exceeds 75%(in most cases) of the value of your vehicle, the insurance company declare it a "total loss".

If your vehicle has been in an accident, and is not drivable,  a wrecker service has likely taken it to their secured storage lot. DO NOT ALLOW THEIR CLAIMS REPRESENTATIVE TO MOVE YOUR VEHICLE BEFORE YOU AGREE ON A SETTLEMENT! This may be the only leverage you have over the them to pay you what they rightly owe you, as accruing storage fees ensure the adjuster will be more prompt with a settlement. Don't fall for the scare tactics, they cannot make you release your vehicle until you have reached a reasonable settlement.


The insurance company owes you the retail value  based on the condition of your vehicle. Don't let them use their scare tactics to pressure you into settling for a lowball offer. Do your research  at Edumunds, Kelly Blue Book, and NADA. Find out what comparable vehicles in your area are selling for. Remember, they arelooking for the cheapest way to settle your claim. If you feel their settlement offer is not reasonable, make sure you offer is not reasonable, make sure you use the appraisal clause.