Vehicle Total Loss Assistance

Helping You Understand and Navigate Total Loss Claims

At My Car Claim Experts, we specialize in assisting vehicle owners throughout Texas with total loss insurance claims. If your car has been declared a total loss after an accident, we are here to help you understand your rights, maximize your settlement, and guide you through the often-confusing insurance process.

What Is a Total Loss?

A total loss occurs when the cost to repair your vehicle exceeds a certain percentage of its market value—typically between 70% to 100%, depending on the insurance company’s guidelines and Texas state regulations. In a total loss situation, the insurance company will usually offer you a payout based on the vehicle's "actual cash value" (ACV) prior to the accident, rather than paying for repairs.

How Insurance Companies Determine a Total Loss

When evaluating whether a car is a total loss, insurers generally consider:

Repair Costs: The estimated cost of repairs from the accident.
Salvage Value: What your damaged vehicle is worth in its current state.
Actual Cash Value (ACV): The vehicle’s fair market value immediately before the accident, considering mileage, condition, features, and local market trends.

If repair costs + salvage value is greater than or close to the ACV, the insurer may declare the vehicle a total

loss.

Common Issues with Total Loss Claims

Insurance companies often undervalue total loss settlements. Some common issues include:

Lowball valuations based on outdated or non-local comparables
Failure to account for added features, upgrades, or excellent maintenance history
Deducting excessive "wear and tear" reductions
Relying on biased third-party valuation reports

This is where a professional public adjuster can make a big difference by properly challenging an unfair offer.

Your Rights in a Total Loss Claim in Texas

As a policyholder or claimant in Texas, you have specific rights:

Right to Dispute the Valuation: You are not obligated to accept the insurer’s first offer if you believe it is unfair.
Right to Use Your Own Appraisal: You can obtain an independent appraisal of your vehicle’s true value.
Right to Compensation for Taxes and Fees: Texas law requires insurers to pay sales tax, title, and registration fees on total loss settlements.
Right to Diminished Value or Gap Coverage: Depending on your policy, you may be entitled to additional compensation for the difference between your loan payoff and the total loss payout.

How My Car Claim Experts Can Help?

When you work with My Car Claim Experts, we:

Review and Analyze your insurance policy and total loss determination
Obtain Accurate Market Comparables to properly value your vehicle
Negotiate Directly with the insurance company on your behalf
Fight for Full Compensation including sales tax, title fees, and any owed diminished value
Protect Your Financial Interests every step of the way

Our goal is to ensure you receive the highest possible settlement, not just what the insurance company initially offers.

What to Do if Your Vehicle Is Declared a Total Loss

Do Not Rush to Accept the First Offer. Take time to review the settlement carefully.
Request a Copy of the Insurance Valuation Report.
Document Your Vehicle’s Condition. Gather receipts for upgrades, maintenance, or improvements.
Contact My Car Claim Experts for a free consultation.
Let Us Negotiate to maximize your payout and protect your rights.

Contact Us Today

If your vehicle has been declared a total loss and you feel the offer is unfair—or if you simply want a professional on your side—My Car Claim Experts is ready to assist.

My Car Claim Experts