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You can't. Usually it is up to the insurance company's discretion. They have the right to settle their insurance claims for as little as possible without litigation. \

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Q: How can you get the insurance company to say your car is totaled when they claim they can fix it?
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If insurance declares a car totaled can you cancel the claim and keep the car?

You can accept the claim and then buy back the car. This way you get money for the claim and you get to keep your car. The price for the car will be way lower at the totaled price than what you will receive in the claim.


If your car is declared totaled does the car belong to the owner or the insurance company?

The insurance company. They have in theory bought the car or what was left of it.


Who get the money if the car is totaled and the car is on chapter13?

The insurance company will pay the finance company not you.


If your car has been totaled what are your options while waiting for the other drivers insurance company to handle the situation?

you can go ahead and contact the other drivers insurance company and determine the status of the claim.


What law give the insurance company ownership of a totaled car?

It's not a "Law", it's an agreement between you and your insurer. If your car is totaled, and your insurer pays you or the leinholder a claim, the car is then property of the insurer to regain any money the can from the claim. It should be explained in the many lines of text in your policy.


Is it legal for your insurance company to deny a loss for a car that was totaled?

It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage


If your car was totaled and the insurance company paid you for it do you get a credit for that on sales tax on your new car?

NO.


How much will you have to pay to get your car back if it was totaled and the insurance company refuses to pay?

The insurance company will pay you the worth of your car minus your deductible.


How do you know if you car is totaled?

You need to file a claim with your auto insurance carrier. The insurance adjuster will physically examine the vehicle's damage. If the estimated cost to repair all damages exceeds the total value of the car, then the insurance company will total the car. This means they will write you (or the lender) a check for the total value of the car before damages.Most of the above is true but a car is considered totaled when the repair costs exceed 50-75% (depending on the state you live in) of its actual cash value. If it is totaled you will sign the title over to the insurance company and they will take ownership of the car after they pay you.


Do you have to pay off the car loan if you have totaled the car?

Yes, if your insurance company will not pay it all.


How do you get a car after your vehicle is damaged?

most time if the car was in an accident and is totaled you will have to by it back from your insurance company


How do you know how to get cash value when your car is totaled?

The insurance company will make you an offer.