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First off, if your vehicle is totalled, the insurance company must give you a rental vehicle.

Check the NADA current value of your vehicle , as well as several other resources such as Edmonds.com, Kelly Blue Book, etc.

Be sure to look up the options that you had on your car an assure that the insurance company includes them when they are figuring the price out. Also, if you have things like brand new tires, mention it, as it could make the value go higher.

Wait for them to tell you what they are going to offer you before you say anything about the price.

It could make a difference if you are dealing with your insurance company or if you are dealing with the company of the person who hit you. If the insurance company thinks they will be avoiding a possible lawsuit before they may give you a fairer value. However, don't come out gun blazing talking about lawsuits, etc. Wait to see what they want to offer you. See if you think that number is fair. If so, you are fine. If not, come back with a counter offer (having done the research.)

Good Luck!

Answer Provided by KeepItSimpleCoaching.com (This answer isn't complete, as I was just hit and am going through this process right now...)

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Q: How do you negotiate with an insurance company for your totaled car?
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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.


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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.


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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.


After settling with the insurance company for a totaled car do you keep the car or does the insurance compnay?

Legally, if the company pays you for the totaled vehicle, it belongs to them. You can offer (if they don't) to by the scraps back. This would be deducted from your settlement and you would be paid the difference.


If your car is declared totaled do you still have car insurance The insurance company has not paid yet.?

Hi, It depends on what type of insurance you had. Liability, full coverage...etc...Call your insurance company and find out.


Your car was recently totaled by insurance company can you buy it back from the insurance company?

I totaled my Mustang and was able to buy it back from the insurance company. They gave me the Blue-Book value less my $500 deductable. They would not insure it after I repaired it, I had to switch insurance carriers to get coverage.


Your car is totaled and getting more from the insuyrance co?

Is it possible negotiate with the insurance company over what your totaled car is worth? Sure, but you'll need to get comparables from the internet and the classifieds. if there is a big difference, you may want to consider getting an attorney to help. Hope that helps! http://www.boomer-survival-guide.com