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How to dispute an insurance total loss settlement on a car?
I just started college at Columbia a couple of months ago, and I totaled my car while moving in. I received a total loss settlement for the vehicle, but it's drastically low. What is the best way to dispute a total loss settlement on a car?
Carlos Kirby · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Disputing with your insurer can seem like a stressful process, but following these tips can get you the best result.
If you are not happy with your insurer’s appraisal of your totaled vehicle, you can hire an independent appraiser through local body shops and garages. Keep a detailed record of their inspection findings so you can challenge your
car insurance
company’s assessment.If your insurer holds onto their appraisal, you may also visit your local department of insurance. Through this process, a state representative will be dispatched to investigate your claim and determine whether your insurer acted unjustly with your settlement.
If either of these routes fails, you may also try:
- Arbitration: Use a third party to oversee the dispute and make a decision
- Litigation: While litigation is an option, lawsuits are costly and time-consuming, so this is the last resort
Starting college can be financially stressful as it is, and you don’t need to add to your stress by arguing with your insurance company. If you find yourself paying too much for car insurance after an accident, then you should let the experts at
Jerry
help you find the most competitive auto rates.In less than 45 seconds, Jerry collects all of your information from your existing insurer. You can choose from competitive quotes from up to 50 top insurance companies and Jerry takes care of the rest. No long forms. No hard work. Just savings.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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