Total Loss Claims

If the insurance adjuster determines that the cost of repair plus rental car expense during repairs plus the likely diminution of value would exceed the simple cost of paying the pre-accident value of your vehicle, they will purchase your vehicle through a forced sale known as a total loss claim. Beyond adjuster discretion, where they compare repair cost versus replacement cost, the law forbids repair and mandates a total loss whenever the estimated repair cost equals or exceeds 75 percent of the pre-accident fair market value of your vehicle.

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