When The Insurance Company Totals Your Car
Your insurance policy is a contract
Disagree About Your Car’s Value? Have The Car Appraised
However, if you really want to keep your car and have it repaired, most insurers will allow you to do so. If you do, the insurer has the right to deduct the salvage value of the car from what you are paid. Also, you do have the right to be paid for the actual value of your car. Which essentially means the insurer should pay you what your car is actually worth. If you and the insurer disagree about its value, it may be worthwhile to have the car appraised. Present that appraisal to the insurer and use it to try to convince them to pay more.
If all else fails, you can hire a lawyer to represent you. Although you will have to decide whether the difference in values is enough to make it worth your while.
If you’d like to find out more about your rights in an auto accident and especially if you have been injured, don’t hesitate to contact our office for a free legal consultation.