How to dispute an insurance total loss on a car

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How To Make Sure Your Vehicle is Totaled for Insurance Purposes

After an automobile accident, if your car is beyond repair, you depend upon your car insurance company to compensate you fairly. If you feel the offer by the insurance agency is lower than your car’s actual value, you can dispute their estimate and try to win a higher settlement. A car is considered a total loss when the cost to repair it is approximately 75 percent of its value or more.

Research the cost of cars similar to yours and note their sales prices. In addition to looking up your car’s value on services such as Kelly Blue Book or Edmunds, make copies of newspaper classifieds that show the asking prices of cars that are the same year and condition and with similar mileage.

Examine the car-loss analysis, looking for errors. Small things, like the wrong year or mileage, can make a difference in what the company offers you. To obtain this document, you must first call your insurance agent and request a copy.

Make copies of all after-market improvement receipts. Replacing standard wheels with custom wheels, altering the exhaust system or paying for a custom paint job adds value to your car. If you have photographs of the improvements, make copies of these as well. Include copies of regular maintenance logs.

Obtain an independent appraisal. The insurance company has their appraiser who works for them, and you can hire your own appraiser if you feel the settlement offer is low.

Call the insurance claim adjuster and negotiate for a higher settlement. Adjusters may raise their offer if your evidence shows that your car is more valuable. The adjuster may start with a low initial offer but increase the settlement if you can show that your car was worth more.

Contact your state’s division of insurance if the insurance company refuses to budge and you know your car was worth more. You may file a complaint against the insurance company.

How to Dispute a Car Insurance Total Loss Valuation

Insurance companies and insurance adjusters invest in an appraisal to determine the actual cash value of your car after an accident. If the cost to repair the damage to your vehicle exceeds the company’s or state’s threshold percentage (such as 80%) of the pre-loss Actual Cash Value, then the insurance company will classify it as “totaled” or a total loss. This appraisal is either done by insurance adjusters themselves or is performed by a third party. You have the right to your own appraiser and your own appraisal. You may be unaware that it is your responsibility to tell the insurance company what your loss is. This must be done in writing with documentation to support the value amount.

No matter whose fault the accident was, you could be dealing with several insurance adjusters from your company and the other driver’s insurance company. These adjusters are assisting you by contract law because you signed a contract when you obtained your insurance. Each insurance adjuster has a fiduciary duty to the company that hired them and not you. When you are in an auto insurance claim dispute never forget that.

When the auto insurance adjuster presents you with an offer to settle your claim you do not have to accept it if you do not think it is fair. The object of insurance is to make you whole after an accident – no better and no worse. It is highly unlikely that the insurance adjuster has made a mistake and given you an above market offer. In most cases the offer will be low. When you turn down the first offer, the odds are in your favor that the insurance adjuster will come back a few days later with a slightly better offer.

The higher the claims and the more claims paid out by the Insurance company, the less profitable they are. The insurance company works hard to try and get you to agree to a settlement that is in their best interest. The first settlement offer is the lowest. Most people are in a financial cash crunch, need money, and cannot resist the temptation to settle quickly even if this means losing out on hundreds or thousands of dollars.

To be honest, not every car has a high Actual Cash Value. If your car is 6 years old or less and has less than 120,000 miles (unless it is a classic car or exotic car), it would be in your best interest to discuss this situation with your own appraiser such as General Auto Check. After consultation, General Auto Check can give you a quick review with approximate numbers to see if your claim is worth pursuing. You must have your own appraisal to refute the insurance company’s number. Arm yourself with your own professional Actual Cash Value report from General Auto Check to provide written proof that you are owed more money. This notifies the adjuster that you are prepared to go to arbitration, and your disagreement is factually based upon sound data. When you take the right steps, dealing with an insurance adjuster becomes much easier.

After seeing your evidence, the insurance adjuster may come back to you with an offer to settle your claim more in line with the price you were expecting. If your claim is rejected, the insurance adjuster is not the final say and some sort of arbitration or appeal process may be used. Whether it is the appeal or arbitration process, it is designed to give you a fair and impartial hearing to present your case and prove your vehicle’s value more than the insurance adjuster has offered.

Has your car suffered damage so extensive that the cost to repair it would exceed what’s it’s actually worth now? If so, your car insurance company might label it a “total loss.”

What Does Total Loss Mean?

Car insurance companies label a vehicle a “total loss” when the cost to repair the vehicle to its pre-damaged state exceeds the cost of the vehicle’s worth, or actual cash value.

Determining whether a vehicle is a total loss depends on several factors such as:

  • The car insurance company. Although companies must follow certain state laws (see below), they also can set their own standards for totaled vehicles.
  • The vehicle’s specific condition. Can the vehicle be repaired safely? Will it cost more to repair the vehicle than the vehicle is worth?
    • Adjusters will look at these factors.
  • Individual state laws. Often, this means the vehicle must suffer a specific percentage of damage before it can be deemed a total loss.

Your car insurance agent can walk you through each factor.

What Happens After a Total Loss?

First, you’ll file a total loss claim.

The procedure varies among insurance companies, but generally your company asks for:

  • Your vehicle’s title and license plate.
  • Each key to the vehicle.
  • Your lienholder’s contact information, if applicable.
    • (Some insurance companies leave contacting your lienholder up to you.)

Where the claim’s adjuster and other professionals inspect your car varies, too; however, many car insurance companies arrange for the vehicle to be moved to a safe place.

Once your vehicle is safely tucked away and the insurance company has all required items, the claims adjuster will begin the processes of determining the following:

  • Whether your vehicle is a total loss.
    • (See “Total Loss Defined” above).
  • The actual cash value you’ll receive for your totaled vehicle.
    • (See “How Much Does an Insurance Company Pay for After a Total Loss?” below).

* Make sure your policy includes coverage for a total loss BEFORE you find yourself with a totaled vehicle.

Rental Reimbursement Coverage

Unless you have another vehicle, you’ll probably need to rent a car to get around in the meantime.

Check with your insurance company about rental reimbursement coverage. Depending on your policy, your insurance may help cover the cost of your rental car.

How Much Will I Get After a Total Loss?

Your car insurance company pays the fair market value, or actual cash value (ACV), of your totaled vehicle. Simply put, a vehicle’s ACV is the your car’s current value after depreciation.

Should you choose to accept the ACV (and not dispute the claim), you could receive a full settlement or partial settlements.

These settlements can vary by provider, but below are some general principles:

  • Full Settlement: You hand over the vehicle to the insurance company.
  • Partial Settlement:
    • You have the option to salvage the vehicle or sell the totaled vehicle.
    • You have the option to donate the car to charity and receive an IRS tax write-off.

Ultimately, your decision will rely on your insurance company’s options and your personal preference.

What if the Payment on My Claim Doesn’t Cover My Loan?

Often times, the actual cash value doesn’t cover the difference between what the vehicle’s actual worth and the amount left on the loan or lease. This is where gap insurance comes in.

Essentially, if you have a loan or lease on your car, the payout goes to your lienholder or leasing company; if the ACV doesn’t cover what’s left on your loan or lease, your gap coverage can pick up the check.

Guaranteed Auto Protection, or GAP insurance, protects you from having to pay the difference between your car’s ACV and the amount remaining on your vehicle loan or lease.

Obtaining a Salvage Title

A salvage vehicle is one that’s been deemed a total loss. Sometimes owners opt to junk the vehicle; other times, they decide to repair the vehicle and obtain a salvage title to register and operate or sell the vehicle.

Obtaining a salvage title varies from state to state. Please refer to our Salvaged Vehicles section and choose your state for specific information.

NOTE: Understand that not all insurance companies will insure a salvage car. Talk with your insurance company first, or shop around for auto insurance companies that will cover your salvage.

There are several reasons a vehicle may be a total loss:

  • Repairs may not be economically practical.
  • It may not be possible to restore the vehicle to a safe, pre-accident condition.
  • State laws may require us to declare it a total loss.

In most states, you can keep your vehicle. However, if you decide to keep it, we will deduct the salvage value of your vehicle from the settlement amount. The salvage value is what we expect to receive for selling your vehicle in its damaged condition.

Depending on your state laws, you may be required to:

  • Have your vehicle title changed to indicate that your vehicle was a total loss.
  • Go through a state vehicle inspection process. Some states may not allow you to reregister your vehicle.

Check with your local department of motor vehicles before you make a decision. Contact the insurance department to see what coverages you will still need to carry since your vehicle has been declared a total loss.

If you have rental reimbursement coverage on your automobile policy and are using a rental vehicle as a result of a total loss, refer to your automobile policy. Once your vehicle has been declared a total loss, the rental is limited. Your claims representative also will let you know when your rental coverage expires.

Before we finalize the settlement offer for your vehicle, you can review the detailed inspection report. Check to make sure everything is correct and there’s nothing else we should consider. If additional considerations are needed, select “Send a message or Upload Documents” to notify your adjuster and include any supporting documentation for your request. USAA utilizes a vendor database tool (CCC One) to accurately value the loss vehicle. The CCC One database locates comparable vehicles recently offered for sale in your geographic area and makes adjustments based on the loss vehicle’s mileage, condition and options.

You should contact your lender to determine if you have Total Loss Protection or GAP coverage. If you do, your lender will pay the difference between the actual cash value of your vehicle and the loan balance. If you don’t have this coverage with your loan, you will need to pay the difference between the settlement value and your loan balance. (Washington policy holders may have an endorsement that includes this protection. Your claims representative will let you know.)

Here are action items that need to be taken care of to assist in moving your claim forward:

  • Remove your personal belongings from the vehicle. Don’t forget any documents in your glove box.
  • Remove the license plates from your vehicle if it’s required by state law or your claims representative asks you to do so.
  • Give the repair shop or towing service authorization to release your car, so we can move it to a secure storage facility. This can help you avoid paying daily storage fees those companies may charge. Don’t worry, you aren’t surrendering ownership of your car by allowing us to move it for you.
  • Find your vehicle title. If your lender has your title, give them authorization to release it to us along with your loan payoff information.

Here’s how we determine who gets the payment:

  • If you own the vehicle, we’ll pay you directly.
  • If you’re making payments to a finance company that’s listed on your policy or title, we’ll pay them first.
  • If there’s money left after we pay your finance company, we’ll send it to you.
  • If there’s not enough money to cover your loan, you’ll be responsible for paying off the remaining balance.
  • If you have gap insurance, it may cover your loan balance. Gap coverage helps free you from having to pay the difference between your outstanding debt and your insurance settlement. At USAA, it’s called total loss protection.
  • If you’re leasing your vehicle, we’ll pay the lease company directly.

How to dispute an insurance total loss on a car

You recently had an accident that left your vehicle in horrible shape. Your car is declared a total loss and you wait to hear from your United Services Automobile Association (USAA) insurance adjuster, expecting your vehicle to be worth a certain amount. When the adjuster gives you the settlement offer, you’re astounded because you believe the actual cash value of your automobile is more. Fortunately, you have the option to dispute the cash value that USAA offers you.

Step 1

Request a copy of the Vehicle Valuation Report from USAA. The report is a multiple-page document that reveals the accident history of your vehicle and the actual cash value of your car that was determined by the USAA adjuster. Allowances for extra features such as leather seats and rear spoilers are noted on the Vehicle Valuation Report as well as the prices of comparable vehicles–automobiles in your area of the same make and model that are listed for sale. If any of your vehicle’s options aren’t listed on the Valuation Report, make a note of it as you review the document.

Step 2

Research additional comparable vehicles. USAA takes the average price of three similar vehicles in your area to help determine the actual cash value of your automobile. Go to local dealership’s websites–or visit them in person–and find vehicles that are the same model and year as yours. If you find vehicles that are selling for more money than USAA offered, print copies of the pages listing the automobiles and their prices. Make sure information about special features and mileage is included.

Step 3

Find the receipts for any upgrades to your vehicle. Are you claiming options that were added after you initially purchased your vehicle, such as rims or a navigation system? Did you recently buy four new tires or a new motor? Make sure you have the documentation to prove it.

Find Cheap Auto Insurance Quotes in Your Area

After getting into a damaging car accident, there will come a time when you will need to seek compensation from an insurance company. The process of receiving a fair payout can be tricky, however.

After all, insurance companies lose money when they are forced to pay out for an accident. A claims adjuster for a company wants to pay you the smallest amount reasonably possible for your damages.

Before you accept their offer, know that you can negotiate an offer you think you deserve.

  • Determine the value of your car
  • Negotiate with your auto insurer
  • Confirm the agreement in writing

Determine the value of your car

Knowing the true value of your car is vital when negotiating with an insurance company. After you get into an accident, the car will be sent to a claims adjuster who will determine how much it will take to repair it.

Depending on the type of claim it is, first-party benefits or third-party benefits , you will either deal with your own company in the case of the former or another driver’s company in the case of the latter.

With the adjuster having an incentive to not pay the full amount in either case, knowing the true value of your car will tell you if you are getting a good deal or not. We recommend you collect estimates from several sources.

Luckily, there are several sources who can help:

  • The most obvious is your own trusted mechanic. In fact, you can bring it to as many mechanics or garages as you want until you get a figure you feel reflects your car’s damage.
  • You can also get the value of your car from websites such as Kelly Blue Book or Edmunds .

You do not need to accept whatever figure the adjuster comes back with if it does not match the estimates you have received.

Negotiating with the car insurance company

If the initial offer is below the estimates, you will need to enter negotiations with the insurance company. Does that mean a lawsuit? Not necessarily. It is in both sides’ interest to avoid the cost of continued litigation.

This means you can negotiate with the insurance company before any formal court proceedings. They do not want to bring the matter to court any more than you do.

If the insurer’s first offer is inadequate, it is completely in the driver’s power to decline it and ask for a better offer without suing.

Negotiation tip

Get the adjuster to justify their offer. After considering their argument, you can form a counter-argument. An adjuster can bring up a few things, however, that you should prepare for.

When you enter negotiations with the insurance company and/or claims adjuster you should have a desired settlement in mind, as well as a minimum settlement you will accept. Your high and low numbers should reflect the estimates you have from the Internet and your mechanic. As negotiations press on, you will want to keep a level head and objectively weigh the strengths and weaknesses of their justification for their offer.

“Betterment” and the value of your car

One thing an adjuster can argue against is “betterment”. If your car is fairly old, it may need new parts to repair it, making the car more valuable than before the accident. Most insurance companies will either charge you for the excess value or reduce their payment in proportion to the increase.

Betterment will be hard to argue because essentially you are asking for the insurance company to pay more than what your car is worth. To counter their betterment charge, you will need to prove that the parts will not in fact increase the value of your car. Testimony from your mechanic or an expert witness could help in this case.

The state you live in affects how fault (and value) is determined

Another issue that can diminish your claim is the state where you crashed your car. Payouts from third-party claims like bodily injury or property damage liability depend on who was at-fault in an accident, which in turn is dependent on the state where you had the accident.

In Washington D.C., Maryland and North Carolina, for instance, the law calls for Pure Contributory fault determination. In these states, a driver needs to be 0% at-fault to receive any compensation, which is a very high standard.

Other states, like Georgia, are a bit more lenient and only require you to be less than 50% at-fault for an accident to receive compensation. Car insurance in California pays out proportionally, meaning you receive compensation based on the percentage of your fault in the accident, even if it was 11% or 89%.

In negotiations, the insurance company may want to prove you were more at-fault than you are claiming to reduce their payout. To counter them, it is important to go into negotiations with as much information as possible. Police reports, photos and witness testimony can be solid pieces of evidence to help prove your innocence in an accident.

More tips for getting a higher value for your car

  • Consider emphasizing the emotional points of your argument. Images of the car damage, or examples of how it has been affecting you from getting to work, are good pieces of evidence.
  • With all of your counter-arguments organized, review whether you should push for a settlement above your minimum amount.
  • If you feel you do not have the time, or ability to adequately negotiate with the claims adjuster, hiring an attorney may be best. This may not be cost-effective for a small claim, but if the payout you are seeking is greater than the fees associated with a lawyer, then it may be worth it to pursue.
  • If the case seems tricky in terms of proving who was at fault, an attorney may also be highly beneficial.

After agreeing to a settlement

After negotiations are over, you’ll need to confirm the offer in writing.

It does not have to be extensive, just detailed enough to outline the amount of the settlement and what it is repairing.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

When insurers determine the total loss of car value when you’ve been involved in an accident, they consider several factors. If you lease or finance your vehicle, you might be responsible for the remaining payments unless you carry specific insurance.

How to dispute an insurance total loss on a car

How to dispute an insurance total loss on a car

When insurers determine the total loss of car value when you’ve been involved in an accident, they consider several factors. If you lease or finance your vehicle, you might be responsible for the remaining payments unless you carry specific insurance.

When Is a Vehicle Considered a Total Loss?

A damaged vehicle is considered a total loss when the estimated cost of fixing it exceeds its cash value. This type of claim differs from other minor claims and involves more effort on your part.

For instance, if you’re involved in an accident that causes extensive damage to your vehicle, your insurer might decide the vehicle is a total loss. This means it is totaled, and the insurer declares it’s not worth the cost to repair it.

Certain states have laws that specify a total vehicle must adhere to certain thresholds. According to Investopedia, in Alabama, a vehicle can be totaled when the damage exceeds 75 percent of its value. If a vehicle is worth $5000, and the repair estimate is $4000, the vehicle would be considered totaled.

What Is the Total Loss Claims Process?

To receive an insurance payout for a vehicle deemed a total loss, you must carry either property damage liability or collision or comprehensive coverage on your policy.

Property damage coverage is mandatory in every state, but you must file a claim against the other driver to receive the payout. To receive compensation, the other driver must be negligent in the accident.

One of the easiest ways to get a payment for a total loss is through your insurer, which you can do through collision coverage. With this type of coverage, it doesn’t matter who was at fault for the accident.

Collision and comprehensive coverage help replace a totaled vehicle. These two coverages are usually required if you lease or finance your vehicle. If you have paid off the car, they’re optional.

If you have these types of coverages and you’re not injured, your first step after the accident is filing a claim with your insurer. A claims adjuster will inspect the vehicle to determine damage and possibly total loss designation.

What constitutes a total loss isn’t always simple, and how it’s determined varies by state. Some states have a total loss threshold (TLT), in which damage only needs to exceed a percentage of the vehicle’s value.

Approximately half of the states use the total loss formula (TLF). In this scenario, if the sum of the repair costs plus the salvage value of the vehicle exceed its actual cash value (ACV), then the car is considered a total loss.

What Happens if Your Vehicle Is a Total Loss?

After you agree to your vehicle being a total loss, most insurance companies ask you to take these steps:

  • Remove the license plates and personal items.
  • Give the claims adjuster the key.
  • Send in any extra keys.
  • Complete the paperwork.
  • Notify the leasing company if you’re leasing the vehicle.

Your insurer usually takes the vehicle and notifies the DMV that it has been totaled. Depending on your state, the vehicle will be declared a salvage vehicle, and anyone who specializes in salvaging vehicles can purchase it.

Certain states allow you to keep the totaled vehicle and either repair it or keep it. Choosing this option will give you less cash, because your payment will be the ACV minus the value of the vehicle as salvage.

How Do You Receive Payment for a Total Loss?

The amount of money you receive for a total loss is the ACV, which is the same number that determines if the vehicle is a total loss. This figure involves the pre-loss market value minus the depreciation when it was new. Ultimately, the ACV is based on wear and tear, the vehicle’s age, and other factors deemed relevant by your insurer.

Once you agree to the number, the insurer will give you the money if you own the vehicle. If it’s financed or leased, the compensation goes to the lender or leasing company.

If you total a financed or leased vehicle, you might owe money. New car replacement coverage can make up the difference, while gap insurance can help cover any remaining balance on a leased vehicle.

Do You Have to Pay a Loan on a Totaled Vehicle?

If you’re financing a vehicle that’s been totaled, your insurer will typically write a claim check payable to you and your lender. This means you need to agree with your lender on how to release the funds. Usually, the lender receives reimbursement first, and you receive any remaining money.

You might still owe your lender more than the money your insurer provided. In that instance, you’re responsible for the balance. Consider, for example, if you owe $15,000 on your loan, but the totaled vehicle has depreciated to $13,000. If you carry collision coverage, your insurer will reimburse you for the ACV of $13,000. You then need to pay the lender the $13,000 plus the remaining $2000.

How Does the Car Insurance Valuation Process Work?

When you report an accident to your insurer, the company sends out an adjuster to determine damage. The adjuster determines if the vehicle is deemed totaled. According to Insure.com, most insurers decide to total a vehicle if the cost to repair it exceeds a specific percentage, which is usually between 51 to 80 percent.

If the vehicle is totaled, the adjuster conducts an appraisal and gives the vehicle a value. The adjuster does not consider the damage during the appraisal but estimates what the cash offer should be on the vehicle before the accident occurred.

The process of dealing with a totaled vehicle doesn’t have to be complicated as long as you know what to expect. Your insurance company can guide you through every step, but know you won’t receive as much money for the vehicle as you did when you paid for it.

Check this out if you need additional information, resources, or guidance on car insurance.

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How to Get Paid More After Insurance Declares Your Car a Total Loss

How to dispute an insurance total loss on a carIf your car has been involved in a serious accident, it’s up to your insurance company to handle repairs. However, if your insurance company decides that your car is a total loss, you might think you have to sell your car to your insurance company and give it up.

In fact, you have another option: retaining the car and selling it yourself. By keeping the car, you can get a second check from a car buyer on top of the check your insurance company will give you.

The insurance company won’t pay you more if you do this. However, the act of keeping the car and selling it elsewhere lets you shop around to get a better price for your car, rather than just letting the insurance company cut you a single check that might be undervaluing your car.

You’ll still get a check from your insurance company, but you’ll also get a check from whoever buys your car.

Read the sections below to learn more about how you can keep your car and what you can do to sell it for more money.

How Your Car Insurance Values Your Car

How to dispute an insurance total loss on a carWhen you get into a serious car accident, you typically file a claim with your insurance company to cover the cost of the repairs.

The insurance company will first calculate the actual cash value of your vehicle just before the crash as accurately as possible. In other words, it will determine what the value of your car would have been if you decided to sell it minutes before it was totaled.

Depending on the actual cash value of your vehicle, your insurance company will then decide if it will cover the repairs or declare your vehicle a total loss. Typically, insurance companies decide vehicles are a total loss if the cost of repairs exceeds 50 percent of the value of the vehicle (note that this can vary by company and by state).

Keeping Your Car After An Accident

How to dispute an insurance total loss on a carAt this point, your insurance company will attempt to give you a check for the value of the vehicle minus your deductible. The insurance company will then sell the car at a salvage yard and profit off the vehicle.

However, you may be able to get more money by retaining your vehicle. In that case, you should indicate to your insurance agent that you wish to keep the vehicle. In that case, your insurance company will allow you to retain your car’s title with a salvage market on it.

You’ll still get a check for the actual cash value of the car. However, the insurance company will subtract both your deductible and what they expected to profit off the vehicle at the salvage yard from your check.

Given that insurance companies typically specialize in insuring and not selling salvage cars, there’s a good chance they have undervalued the potential value of your vehicle in a sale.

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Selling A Totaled Car Independently

How to dispute an insurance total loss on a carOnce you have obtained your car’s salvage title and the check from your insurance company, you can begin figuring out how to sell your car independently.

You have a few options to do this. You can sell it privately to an individual, sell it to a junk or salvage yard of your choice, part it out or sell it to an online service like CarBrain.com.

Selling it privately to another individual could be the least profitable option. Chances are, an individual buying a totaled car is interested in parts or a repair project. They may know that fixing the vehicle will be exorbitant, or may only be interested in using a portion of the parts. Asa result, individuals are likely to negotiate you down.

Selling it to a junk yard or a salvage yard yourself allows you to shop around for different price points. However, this can be an onerous process, as you’ll have to demonstrate the shape of the vehicle. In some cases, you may even be required to pay for towing costs.

How to dispute an insurance total loss on a carParting it out requires some know-how, time and effort. Along with needing mechanical knowledge to remove and separate parts, you’ll also have to take time to advertise and find a buyer. It could be months before you finish, if you manage to sell all the parts at all.

Then there’s CarBrain. Selling a damaged car to us is easy, safe and quick. We take all the fuss and hassle out of selling your damaged vehicle, helping you recoup your losses.

Why CarBrain.com Is The Right Choice For You

At CarBrain, we specialize in buying less-than-perfect cars. We know what the fair market value for your car is. We’ll take into account any work or upgrades you put into it to determine what the right price is for your vehicle.

When you sell to CarBrain, the process is simple. You can get an offer in under 90 seconds with our online quote generator. Like what you see? We can help you schedule a FREE towing and FREE title transfer in under 48 business hours.

Not quite ready to sell? Our offers are guaranteed for seven days, so you have time to think about it. Once you’re ready, all you have to do is contact our buyers to get started. There’s no hidden fees or charges. It’s that simple. Why wait? Sell your totaled car to CarBrain and get a second check.