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Total Loss Claims

Is Your Insurance Company Refusing to Pay Enough?

Our Law Firm May Be Able to Help

Having your vehicle totaled in a car accident is bad enough. But when your insurance company doesn't offer fair value for your vehicle, it makes the situation worse.

What can you do?

Here are some practical first steps you can try to get more money offered for your total loss claim:

  1. Ask for the Valuation Report
  2. Research the Comparables on the Valuation Report
  3. Dispute Any Condition Adjustments on the Comparables
  4. Send Your Own Comparables to the Adjuster

Many insurance companies use a third-party valuation program to determine the value of your vehicle. CCCOne, Mitchell, and Audatex are the most common programs. The valuation method used by your insurance company may not comply with Florida law.

If your insurance company refuses to negotiate with you, then contact our law firm for a free consultation.

Florida Law on Total Loss Claim Settlement

Florida Statute 626.9743(5)

Florida Statute 626.9743(5) governs first party total loss claims - a total loss claim that you make with your own insurance company.

This section of the law gives three options for an insurance company to determine the value of your vehicle. Often, insurance companies do not comply with this law.

Actual Cash Value

Your insurance policy likely requires the insurance company to pay the actual cash value of your vehicle.

Actual Cash Value is usually defined as "the replacement cost of the vehicle less depreciation or betterment." In many total loss claims, your insurance company will fail to offer you the actual cash value even though the policy requires them to offer this amount.

Our Law Firm Specializes in Total Loss Claims

At Irvin & Irvin, we advocate for clients when their insurance company refuses to pay enough for their total loss.

We represent clients on contingency in their property damage claim.

This means we never require payment upfront and only are paid if we make a recovery for you.

Whether your insurance company owes you more for your totaled vehicle requires a review of your policy, the valuation report and other documentation.

Call Us For A Free Consultation

To Discuss Your Property Damage Claim

407-848-5800

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