Insurance companies declare a vehicle a total loss when the cost to repair it meets or exceeds the vehicle’s market value. The vehicle’s condition, mileage, and other factors are taken into consideration. Our attorneys can help ensure that you receive fair compensation for your vehicle’s total loss.

Whether your insurance pays for a totaled car depends on the type of coverage you have. If you have “full coverage,” which typically includes both collision and comprehensive coverage, your insurance may cover a totaled vehicle regardless of who was at fault. Without full coverage, you would generally need to rely on the other driver’s insurance to cover the damage.

Our team can guide you through the insurance process to help you get the best possible outcome based on your coverage.

If your car is totaled and you still owe money on it, the settlement from the insurance company may go toward paying off the loan. If the settlement is less than the amount owed, GAP insurance can help cover the difference. We can assist you in navigating this process.

In most cases, you may have the option to keep your vehicle after the insurance company declares it a total loss, though this depends on your policy terms and whether the car is financed or leased.

Navigating a total loss claim can be complicated, and insurance companies may try to minimize your payout. An experienced attorney can negotiate on your behalf and ensure that all aspects of your claim are handled properly. At Prime Property Law, PLLC, we’ll advocate for your rights and ensure you get the compensation you deserve.