Sometimes, when you invoke the appraisal clause, the two appraisers get in a sticky situation where they don’t agree and one tries to make up unwritten rules on the idea of “that is what we have always done”.
This case was one of those.
The owner had been through a pretty horrific hail storm and his new vehicle was totaled in the process. When he got his offer, he felt like it was pretty low. We took a look and agreed that his valuation contained the typical problems they normally do and seemed to be several thousand dollars off.
If you would like to get a fair settlement for the total loss of your auto, you have found the right article. It will take a little work, but I think I can shed a little light on what you need to know in order to get a fair settlement.
As the owner of an appraisal and claim service company as well as a former licensed adjuster who has settled thousands of total loss claims, I will reveal the tricks to getting an insurance company to take you seriously.
In this article, I will dispel common misconceptions on total losses, tell you how to argue with computer programs and formulas, and give step-by-step instructions on how to best support your claim to get it settled.
If you’ve done some Googling because of a total loss dispute with your insurance company, you probably came across information explaining your right to appraisal (also called the invoking the Appraisal Clause).
Unfortunately, because auto total loss disputes are usually less than $10,000.00, it is an area that hasn’t traditionally attracted attorneys (but there are a few attorneys that will fight for you).
In fact, because the amounts in dispute are typically under $10,000.00, most insurance companies don’t even train their claims staff about the appraisal clause.
I was an adjuster for over a decade and NOT EVEN ONCE was the appraisal clause mentioned. If you invoke the appraisal clause, you can bet that you will be dealing with a claims representative that has no clue what they are doing (if you’re an adjuster that thinks you know better, prove it).
I educate adjusters and insurance carriers every week about this little known right that their insureds have.
Prove a point on your total loss due to flooding after Hurricane Harvey with the Appraisal Clause
If you’re a victim of the recent flooding in South Texas and have a total loss due to flooding with your carrier, you should call our office immediately and make sure that any offer you get is fair and reasonable.
Now that South Texas is dealing with the aftermath of Hurricane Harvey and Florida and Georgia brace for the impact of category 5 Hurricane Irma, victims will undoubtedly be dealing with total loss claims in exponential numbers and they need to know that insurance companies routinely handle these claims in a very dogmatic manner.
The biggest tactic is for a carrier to simply refuse to negotiate.
They will simply tell you, “take it or leave it”.
They like to claim that they do not have the authority to negotiate outside of their captive company market reports.
What if I want to total my vehicle but the insurance company refuses to total?
Frankly, I’m surprised that I don’t get asked the title question more often, but I know why I don’t. Simply put, it is the dogmatic way insurance adjusters explain the total loss or repair process to accident victims.
From the onset of dealing with most adjusters, the tone is set by the adjuster that what they say is how it is. Most simply TELL people how it is. The art of negotiation is lost and with it, common sense.
This isn’t their fault; their supervisor told them how it was when they started and as they trained. But don’t blame the supervisor because his manager told him how it was when he started. But don’t blame the manager. . . you see where I am going with this?
It is a mindset drilled into adjusters that THEY are the ones that decide if a vehicle is totaled or not. They are sadly mistaken.
So, listen, it is YOUR vehicle.
YOU decide what to do with it, not them. Remind them of this if you disagree with them. Ask them whose name is on the title. After you have cleared up the issue of ownership and ultimate control over the destiny of your vehicle, then you have to implement a plan to bring the destiny to reality.
Can you claim for the cost of a rental Car on Total Loss Claims in Texas?
Blogs are buzzing because in the recent Texas Supreme Court Case, J&D Towing LLC v. American Alternative Insurance Corporation 2016 WL 91201 (Tex. 2016), a major wrong that has been going on since before there were even cars was righted.
What should you do when you are dealing with a total loss?
We get so many questions every day from people involved in an accident where their vehicle was totaled and they are now getting a low offer from the insurance company and just don’t know what to do next.
We always tell them that it is always a negotiation and that they have to fight and prove their points with the information we are revealing below today!
We put together some total loss settlement tips to get you moving in the right direction on your auto claim.
We are proud to show off our hard work with the launch today of our new website (which you have obviously found if you are reading this.)
We have made it a mission to make our resources easily available to provide the most people with free information about their diminished value, total loss claims and tons of other topics.
How to make a diminished value demand
How much your diminished value claim is worth
If your total loss is worth fighting for
How much your injury might be worth
The small claims court process
We have compiled all of the free help we’ve given over the years here on our new website to make it easy for auto accident victims to find the answers they need to make an informed decision when dealing with their insurance claim.
We thank you for your support over the last 5 years and we are ready to give you more free information than ever to help get your diminished value and total loss claims resolved as painlessly as possible! You won’t believe our customer service because we truly do focus on each individual claim and spend all the time it takes to answer your questions right up front to make sure you feel confident moving forward with our help. We stay by your side throughout the process so you will never wonder who to call when you don’t know the next step. Rely on Petty Details for the real expert help you need with your diminished value, total loss or small claims issues – our success rate is the highest because we don’t give up!