Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 22, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Crossroads, MS

Asked on 08/22/2014

My car was hit while I was parked the insurance company deemed my car a total loss but i want to keep my car what happens at this point ? NULL

Answer given on August 26, 2014

If your parked car was damaged to the point of being determined to be a total loss, the insurance company will pay you the actual cash value of the car, less your deductible The actual cash value may not be what you consider the car to be worth, but the insurance company bases the value on current values from the Kelly Blue Book and other sources. You can try to provide proof the car is worth more through local ads or other sources, but the insurance company may still deny the additional value.If the car is totaled, you may be able to purchase the car back as salvage. Talk to the adjuster about this. If you do so and repair the car it can be insured, but the title will show it is a salvaged vehicle. If you can get collision coverage again the value of the car will be reduced and if there is another collision you will get less than you may expect.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.