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What to Do When Your Car is Declared a Total Loss

Posted on 2023-04-13 17:06:09 by iNF
Automotive Total loss car car accident car insurance car compensation
What to Do When Your Car is Declared a Total Loss

Being in a car accident is a stressful and traumatic experience. If your car has been declared a total loss, you may feel overwhelmed and unsure about what to do next. This guide will walk you through the steps you need to take to get the compensation you deserve.

Contact Your Insurance Company

Your first step after an accident should be to contact your insurance company. They will start the claims process and guide you through the necessary paperwork. Make sure you have all the relevant information about the accident on hand when you call, including the date, time, and location of the accident. If possible, take photos of the damage to your car as well.

Get a Valuation of Your Car

Your insurance company will get a valuation of your car to determine its market value. This valuation will take into account factors like the age of your car, its condition, and any aftermarket modifications. Make sure you agree with the valuation - if you feel it's too low, you have the right to negotiate.

Negotiate with the Insurance Company

If you're not satisfied with the initial valuation of your car, you can negotiate with the insurance company. Provide any additional information you have that could affect the valuation, such as recent repairs or upgrades.

Consider Your Options

After you've received a valuation for your car, you'll need to decide what to do next. Your options may include selling your car to a salvage yard, keeping your car and receiving a reduced payout from the insurance company, or buying back your car from the salvage yard and repairing it yourself. Consider the pros and cons of each option before making a decision.


Dealing with a total loss car can be a frustrating and time-consuming experience. However, by following these steps, you can ensure that you get the compensation you deserve and make the best decision for your situation.

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