LEARNING CENTER
Total Loss
Most people who get underpaid on a total loss claim make the same avoidable mistakes. From accepting the first offer to forgetting about sales tax — here are the 8 biggest errors and how to avoid every one of them.
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After a total loss, you can keep your vehicle instead of surrendering it. But the insurance company deducts the salvage value from your payout, and your title gets branded. Here's when it makes sense — and when it doesn't.
Read more →Insurance Law & Consumer Rights
Your total loss payout isn't just the vehicle's value. Sales tax, registration fees, storage charges, rental costs, and other direct expenses are all part of what you're owed. Here's the full breakdown.
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Rhode Island's legislature has passed bills raising the total loss threshold from 80% to 85%. If signed by the governor, it would give consumers more control over whether their vehicle gets repaired or totaled. The insurance industry is pushing back.
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When the at-fault driver's insurance lowballs your total loss, you don't have an appraisal clause — but you have something else: the right to demand full damages. ACV, taxes, fees, storage, rental, and more. Here's how.
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Your insurance policy may give you the right to formally dispute a total loss offer through an independent appraisal process. Learn how the appraisal clause works, when to invoke it, and why it's one of the most powerful tools in your claims toolbox.
Read more →Insurance Law & Consumer Rights
A first-party total loss claim and a third-party total loss claim follow completely different rules. One gives you a contractual right to appraisal. The other requires a demand letter. Know the difference before you accept a penny.
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Insurance companies use tools like CCC Valuescope and Mitchell to calculate your vehicle's ACV. But the comparable vehicles they choose, the adjustments they make, and the condition ratings they assign are often wrong. Here's how to spot the errors.
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Your insurance company says your vehicle is a total loss. But what does that actually mean — and is their valuation fair? Learn how total losses are determined, what you're owed, and why most people accept less than they should.
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