Insurance Won’t Total Car with Frame Damage: What to do?

Insurance Won’t Total Car with Frame Damage

In the USA, when your car is damaged in an accident, your insurance company might decide to declare it a total loss if the cost to fix it is more than 70% of what your car is worth.

However, there are situations where they might do this even if the repairs would cost less than 70%. For instance, if the car’s frame is damaged, they might still declare it a total loss because fixing frame damage can be tricky and might make the car less safe.

If your insurance company refuses to declare your car a total loss even though it has frame damage, you can try a few things:

  1. Get a second opinion: Ask another mechanic or body shop to look at your car. This can help you confirm how bad the damage is and how much it would cost to fix.
  2. Talk to your insurance company: If you’re not happy with the money they offer, you can try negotiating for a higher amount.
  3. Fix the car: You can choose to have the car repaired, but keep in mind that a car with frame damage might be worth less than one without damage.

If you can’t reach a fair agreement with your insurance provider, you might want to think about getting a lawyer. They can help you understand your rights and negotiate with your insurance company.

Here are some extra tips for dealing with this situation:


  • Be ready to show proof of the damage, like pictures and repair estimates.
  • Be honest with your insurance company about how bad the damage is.
  • Be ready to negotiate if their offer isn’t good enough.
  • If things don’t work out, you can file a complaint with your state’s insurance department.

Remember, insurance companies want to make money, so they’ll try to pay as little as possible. But as a policyholder, you have rights, and you shouldn’t be afraid to stand up for yourself.

Also Read:  Zero Depreciation Car Insurance That Saves Money

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