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.

The extent to which your insurance will cover a totaled vehicle depends on the type of coverage you have. If you have “full coverage,” typically including both collision and comprehensive insurance, your policy may cover the loss, regardless of fault. However, without full coverage, you would generally need to rely on the at-fault driver’s insurance to cover the damage.

Our team is here to guide you through the insurance process and ensure that you achieve the best possible outcome based on your specific coverage.

If your car is totaled and you still owe money on it, the settlement from the insurance company will go towards 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.

If your vehicle is declared a total loss, you may choose to keep it, depending on your policy and whether it’s financed or leased. If you do, the insurance company will reduce the payout by the salvage value, which is the vehicle’s worth in its damaged state.

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.