Knowledge Base

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What to Do in the First 24 Hours After a Total Loss Notice

A step-by-step action plan for the first 24 hours after a total loss notice — what to do, what to say to the adjuster, and what not to sign.

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10 min read

How to Challenge a Low Total Loss Settlement

How to dispute a low total loss settlement — pull your own comps, identify errors in the insurer's valuation, and write a dispute letter that gets results.

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15 min read

The Vehicle Owner's Guide to Total Loss

Everything a vehicle owner needs to know after a total loss — how insurers calculate value, how to challenge a low settlement, and get what your car is worth.

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How Insurance Decides Your Car Is a Total Loss

Learn how insurers calculate the total loss threshold, what triggers an automatic total loss, and what your options are if you disagree with the decision.

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10 min read

Total Loss Laws by State: What Every Insurer Must Do

Understand what state law requires of your insurer after a total loss — timelines, disclosure rights, settlement rules, and what to do if they break them.

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The Appraisal Clause: Force a Fair Total Loss Settlement

Learn how to invoke the appraisal clause in your auto policy to force an independent total loss valuation when you and your insurer can't agree on value.

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What Happens to Your Car and Title After a Total Loss

What happens to your vehicle, title, and salvage value after a total loss — how to keep your totaled car, what a salvage title means, and what to watch out for.

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Total Loss or Repair? How to Decide What's Right for You

Should you accept a total loss payout or keep your totaled car? A 5-question framework with the hidden costs most owners miss before deciding.

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Total Loss vs. Repairable Damage: How Insurers Decide

How insurers draw the line between repairable damage and a total loss — the threshold formula, why estimates grow, and what triggers an automatic write-off.