What Are My Next Steps After Severely Damaging My Car After a Car Accident?

If you have ever been involved in a car accident, you know that there are many negative consequences that can occur. Personal injuries are common, but what’s even more common is having your vehicle be seriously damaged or possibly completely totaled. A total loss auto accident can occur from a deadly collision with another vehicle, or with hitting a deer, but it will ultimately depend on the value of your car. A total loss accident is unfortunately more difficult to process than just getting your vehicle repaired, so it’s important to know what you should do if you’re found in this situation.

What Are the Steps Involved in Closing a Total Loss Claim?

  1. Report your claim to the insurance company immediately: If you believe you have a total loss auto claim, you should act as soon as possible. These kinds of claims can take a long time to finalize and eventually close, depending on your insurance company and how fast they can start working on your claim.
  2. Get your vehicle towed to your insurance company’s chosen shop: If you think that your car will probably be totaled, you should have it towed to the shop that your insurance company works with. This will help speed up the process for your insurance company because they already have direct connections with the towing shop, plus most of those shops will hold your vehicle for free (unlike a tow company’s lot).
  3. Find your title: Locate your title during this process, just so you don’t have to worry about it later. If you’ve lost your title, file for a lost one at the DMV. This is important, because if your vehicle is a total loss, you’ll have to sign your title over to the insurance company.
  4. If you have a loan, find out how much you owe: Determine how much you owe on your auto loan just in case your loan is greater than your vehicle’s current value. Total loss auto claims are not paid out based on what you owe but on the actual cash value at the time of the total loss.
  5. Find out the value of your vehicle: You can check resources like Kelly Blue Book and other vehicle listings sources to find out the value of your vehicle on your own. Doing this research will give you a better idea of whether or not the insurance company will have a good final payout amount.

Our personal injury attorneys at Fiore & Barber, LLC can help you if you were injured in a car accident, and we will give you further advice on recovering from any vehicle damages that occurred. Contact us today.

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