You're on the phone with the adjuster. Your vehicle has been declared a total loss, and the insurer has offered an actual cash value that doesn't match the cars you're finding for sale, the options your vehicle carried, or the condition it was in before the crash. The loan balance is higher than the offer, […]
A few days after a crash, your phone rings. The adjuster says the vehicle is a total loss and offers an amount that sounds neat, fast, and final. You expected the settlement to replace the car you had. Instead, the number doesn't match comparable vehicles nearby, account for your trim and options, or reflect the […]
You got the call. The adjuster was polite, maybe even reassuring, and then gave you a number that made no sense. You look at the settlement offer, compare it to what it would actually cost to replace your car, and the gap is obvious. That reaction is valid. In a total loss claim, the first […]