Main menu



How To Negotiate With Automobile Insurance Adjusters Regarding Total Loss of Vehicle

How To Negotiate With Automobile Insurance Adjusters Regarding Total Loss of Vehicle 

How To Negotiate With Automobile Insurance Adjusters Regarding Total Loss of Vehicle

The number of car total loss claims is on the rise. You, as a driver, have to understand how to negotiate with car insurance adjusters about car total loss.

Negotiate with insurance adjusters whether your auto was stolen, totaled by a hit & run, or totaled from an accident.

If you're a driver, use this guide to follow the best practices to help you negotiate with insurance companies for your next claim.

With this guide, learn how to use psychological tactics & power words for maximum results.

Here's the secret car total loss negotiation guide you've been looking for!

After your automobile has been wrecked, how do you deal with auto insurance adjusters?

When you file a claim on your auto insurance policy, you'll almost certainly be assigned a claims adjuster. The adjuster's job is to look through the details of the damage, determine which coverages apply, payout the appropriate amounts, and settle the claim.

If your car is determined to be a total loss — meaning it cannot be recovered or the cost of repairs exceeds the vehicle's value — you may receive a lower offer than you estimate it is worth.

If you're wondering how to bargain with an insurance adjuster during a vehicle total loss claim, there are several steps you can take.

If You Want to Keep Your Car, What Happens? Are you still eligible for a payment from your insurance company?

What can you do if you want to keep the car but disagree with the damage estimate provided by the insurance company? When it comes to keeping a wrecked automobile, there are limited options.

Unfortunately, because not all of the damage is visible right away, it may be more expensive to repair.

When you purchase auto insurance, you agree that you will not ask your insurer to pay out more than the worth of your vehicle.

Most states, on the other hand, require insurance firms to follow the guidelines in order for you to resume your pre-accident financial condition.

If you still can't agree on a price, you can contact a consumer representative at your state's insurance department.


Insurance companies are rarely prone to providing victims with complete and acceptable compensation options immediately following an incident. As a result, begin making a counteroffer based on your research and the unique characteristics of your vehicle.

Your car's worth is determined by its retail value, not its trade-in value. Consider whether you've added any more value to the vehicle in recent years, such as new tires.


Many people have a misunderstanding regarding what constitutes a total loss. Total loss does not suggest that your vehicle is no longer safe to drive and that no amount of repairs will be able to bring it back to life. On the other hand, the total loss is a mathematical concept.

A total loss occurs when you believe, or an insurance company believes, that the vehicle's fair market value is less than the estimated cost to restore it.

Calculate the value of the vehicle.

One of the first steps in total loss compensation negotiations is determining the value of your vehicle.

This will be determined by a variety of factors, including the vehicle's year, make, and model, any style modifications, mileage, and physical condition.

Estimates might be provided by a qualified mechanic or an expert witness. If you only need a rough estimate, there are online calculators that can help you figure out how much your automobile is worth.

Check to see if the original offer was too low.

You may not need to speak with your claims adjuster if the first settlement offer for your car is sufficient. Accepting the settlement and ending the claim is an option if the offer you receive corresponds to your estimate of the value of your vehicle.

Make a deal with your insurance company's adjuster.

You might start haggling with your claims adjuster if you believe the offer for the worth of your car is too low. If you want to haggle, you should be prepared to show how you arrived at your desired payment amount.

Many body shops will provide paper estimates, as well as data from online calculators. If you can provide more evidence, your case may be stronger.

Make an appointment with a lawyer.

If you and the claims adjuster are unable to reach an agreement, you may need to hire an attorney.

Litigation may be able to aid you in achieving the settlement that you believe you are entitled to, despite the fact that it is likely to be considered as a last resort. It might also help to relieve some of the strain that comes with talking about total losses.

An attorney is more likely to be familiar with the procedure and how to negotiate with the insurance company regarding your totaled automobile.

Come up with a counter-offer.

After you've given the adjuster the details of your vehicle, prepare a counteroffer. As soon as you receive the adjuster's offer, begin your inquiry.

While they may arrive at a fair price, conducting further research may cause delays in your payment and, as a result, your ability to receive replacement coverage.

Look for any invoices for major car maintenance, such as new tires, that were made in the last seven or eight months.

Call the mechanic and ask for the receipts if you don't have them. Keep in mind that not all insurance policies cover aftermarket modifications if you've customized your vehicle.

Obtain a formal settlement agreement.

Once you've reached an agreement with the insurance company, you may want to confirm the terms in writing.

This ensures that everyone agrees on the final settlement and protects both parties by confirming that the insurance provider has agreed to pay a specific amount and that you have agreed to that total amount.

Frequently asked questions

Is it possible to reach an agreement on total loss?

The technique for negotiating a complete loss is straightforward. The car is officially declared a total loss if the cost of repairs and subsequent claims equals or surpasses 75% of the fair market value — which, again, can generally be bargained.

What if I turn down a settlement offer?

An attorney should review the settlement offer. The option of a settlement vanishes if you reject the offer.

You will not be able to accept the offer later if you decline it or if the other person withdraws it. You should anticipate a follow-up offer, but don't count on it.

Will I be able to get a new automobile if my current one is totaled?

When the cost of fixing a car exceeds the value of the vehicle, it is considered totaled. If your car is paid off, they aren't required.

You may have to pay for a replacement automobile out of pocket if your car is totaled and you don't have comprehensive or accident insurance.

Is it possible for me to reclaim my totaled car?

If you wish to fix a destroyed car and get it back on the road, many insurers will allow you to "buy back" the vehicle.

If you wish to buy a car back from an insurance company that has declared it a total loss, you should discuss the car's value and the cost of doing so with them.

What options do I have now that my automobile has been declared totaled?

After a total loss, here are the steps to getting a new vehicle.

  • As quickly as feasible, file a claim.
  • Make a replacement vehicle request...
  • Tow the car to your preferred auto body shop.
  • Identify your articles...
  • Get loan information on the amount you owe on your car.
  • Do some research to find out how much your vehicle is worth.
  • As soon as papers become available, submit them.

What should I do now that my car has been declared a total loss?

Take These Steps Right Away After a Total Loss Accident
  • Notify your insurance carrier of the collision...
  • Deliver the car to a firm that the insurance company has approved.
  • How to Get Your Title...
  • Check Your Auto Loan's Status...
  • Look into the potential value of your vehicle.

What happens if your car is declared totaled by your insurance company?

Typically, the insurance company will auction off your vehicle and sell it to a salvage yard.

This amount will be removed from your ACV compensation if you choose to keep your automobile.

While deciding whether or not to keep your damaged vehicle, keep in mind that there's a reason the insurance company didn't want to rebuild it.

What does it mean to make a low settlement offer?

Knowing How to Read a Settlement Offer is an important skill to have. In other words, an insurance company will pay you money in exchange for you agreeing to waive any claims against the negligent person, even if the extent of your losses is unknown.

Conclusion: Should I negotiate a complete loss settlement with my own claims adjuster?

You have the option of employing your own private adjuster if you are dissatisfied with the insurance adjuster's offer.

However, this can be expensive, and there's no guarantee that a private assessor will value your car higher than an insurance adjuster.