The repairs to my 2000 Hyundai Sonata GLS cost $5100. Allstate wants to settle for $2700. Kelly Blue Book value $4500. What should I do?

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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: Sep 11, 2012

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Insurance Question from Ogden Dunes, IN

Asked on 09/11/2012

The repairs to my 2000 Hyundai Sonata GLS cost $5100. Allstate wants to settle for $2700. Kelly Blue Book value $4500. What should I do? The repairs to my 2000 Hyundai Sonata GLS cost $5100. Allstate wants to settle for $2700. Kelly Blue Book value $4500. What should I do? I'm out of a car and can't buy one for $2700. Since Dec. 2009, I have put $2500 worth of repairs upgrades in the car (Stereo, Starter, Tires...) My car was in excellent condition for 130000 miles. I have the receipts to prove it!HELP!

Answer given on September 12, 2012

If your car is damaged and the repairs exceed the actual cash value of the car, then the insurancce company will offer a total loss settlement on your car. The offer should be a fair offer for the value of your car.If you do not agree with the offer from your insurance company it is on you to prove the value of your car. You can use the Kelly Blue Book, but you need to include the depreciation due to the mileage as well as any repairs made due to another loss. You can also look in local ads for a similar car, including those ads you find online. HOwever, they must be from the same area, since values of cars can vary widely throughout the country. When you have this evidence, contact the adjuster and try to work out a fair settlement. Remember, the car is worth more to you than it may be worth on paper, so be prepared to negotiate. If the adjuster will not compromise, ask for a supervisor and see if they will compromise with you.

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