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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: Nov 16, 2011

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Insurance Question from Davie, FL

Asked on 11/16/2011

Insurance Claim help We believe our car should be considered "totalled" after an accident as it is a 1999 Honda CRV with 160K miles, fair condition and $3700 in repairs from one estimate. The insurance company told us the ACV is $5275 which is way high, they won't tell us how they are getting that number and had the repair started without are approval, what can we do?

Answer given on November 17, 2011

Well, they can’t just pull the figure out of thin air, that’s for sure! Read our article on Car Insurance Process For Your Totaled Car – Total Loss  . This article will give you some tips on negotiating your total loss vehicle as well as how to figure out your car’s value.  Kelly Blue Book has an online tool to determine your car’s value.  You did not say what options your vehicle has or if it is a LX or EX.  Therefore, we just choose the basic model for Florida zip code 32805.  The price we got was $3,465.  Therefore, it seems the insurance company is way off.  Make sure they have the right VIN number, model, mileage and that they are not counting options that your car does not have. If you still can not come to an agreement on the car’s value, you can file a compliant with the Florida Department of Insurance or you can follow the link in our article to contact an attorney in your area.

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