Disputing a “Total Loss” Insurance Offer in Idaho
The offer is too low for my total loss.
An insurance company declares a vehicle a “total loss” when they deem it uneconomical to repair. The problem is that insurers often determine the Actual Cash Value (ACV) to be unfairly low to save themselves money.
The result is a settlement check that isn’t enough to buy a truly comparable replacement vehicle.
You don't have to accept an unfair valuation for your total loss.
- Kristian Beckett - Attorney
Look for these Red Flags.
The insurance company gives you a “take-it-or-leave-it” offer and requires you to seek an independent appraisal – at your own cost – to justify a higher payout.
The report makes large deductions for minor pre-accident issues like small door dings, faded paint, or normal interior wear and tear. These deductions are often subjective and exaggerated to drive down the value.
Discover more red flags
The Insurance Company's repair offer is too low and now you're stuck paying the difference out-of-pocket.
Your car’s resale value dropped after repairs, and the at-fault insurer won't acknowledge and pay for the loss.
You were without your vehicle while it was being fixed and the at-fault insurer isn't covering your costs.
Should you request a case review?
If your situation sounds like one of these, it may be time for professional assitance. Before requesting a case review, check if you can say “yes” to any these:
- You have received the insurer's total loss valuation report.
- You have reviewed the report and spotted one or more of the "Red Flags" listed above.
- Truly comparable vehicles are selling for significantly more than the insurer's offer.
- The adjuster is unwilling to negotiate a fair value.