What Does "Repairable" Mean?
* Cost of repairs vs. vehicle's value: Insurance companies assess whether the cost of repairs is less than the car's actual cash value (ACV) before the accident. If repairs are cheaper, they'll deem it repairable.
* Safety and functionality: The repairs must also restore the car's safety and functionality to pre-accident standards.
Why They Might Say It's Repairable:
* Their calculations: Their valuation may be based on outdated or inaccurate data about your car's value.
* Focus on saving money: They prioritize keeping repair costs low.
* Limited scope of damage: They may only consider the visible damage, not potential hidden issues.
What to Do If You Disagree:
1. Get a second opinion: Have a trusted mechanic inspect the car and provide an independent assessment.
2. Negotiate: If the damage is extensive or the repairs are complex, argue your case.
3. Provide evidence: Show them the damage, your mechanic's report, and any additional evidence that supports your claim.
4. Consider a total loss: If negotiations fail and you're convinced it's a total loss, ask for a total loss settlement.
5. Seek legal advice: If you're at an impasse, an attorney can help you fight for a fair settlement.
Key Tips:
* Document everything: Take detailed photos of the damage, record all conversations, and keep all relevant paperwork.
* Stay calm and polite: Being respectful during negotiations can be more effective.
* Know your rights: Research your state's insurance laws and regulations regarding total loss claims.
Remember:
* Insurance companies are businesses that want to make money, so they're likely to prioritize cost-saving measures.
* It's your right to fight for a fair settlement, even if you have to go to bat for yourself.
Ultimately, the decision about whether your car is repairable is yours.
