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...

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UPDATED: Feb 21, 2015

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Insurance Question from Carmel, NY

Asked on 02/21/2015

What happens when a vehicle is totaled after an accident? When you are in an accident that results in your car being totaled, how are you made whole again if the accident was determined to not be your fault and the amount of the payment does not cover the purchase price of even a used car?

Answer given on March 08, 2015

Auto insurance does not always work out to make a person whole if their car is considered a total loss. The insurance policy provides coverage for the “actual cash value” of the car at the time of the loss. This sometimes It does not cover the perceived value of the car to the owner.You can dispute the offer from the insurance company on a total loss. It is up to you, the owner, to prove the value is greater. You can do this by researching local ads of a similar car. You can also use internet quotes and research tools like the Kelly blue book. You must use local figures, not in a totally different part of the country. If you have this type of proof go back to the adjuster and provide your proof.There are some auto policies that will now cover the full value of the car you purchase the additional coverage. It is not usually expensive, but get a quote.Of course, this will not help you in this current matter


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