Fighting unfair total loss insurance settlements
Was your total loss insurance claim underpaid by your insurance company? Some insurers may use inaccurate adjustments to lower payouts.
If you feel you were not paid enough for your totaled car, fill out the form on this page to see if you qualify for a car insurance lawsuit.
Experiencing a total loss car accident is stressful enough. Drivers shouldn’t have to worry about whether their car insurance company is paying them fairly.
Unfortunately, some insurers low-ball total loss payouts by using a “projected sold adjustment” in their calculations — factoring in potential buyer discounts rather than the actual market value of the car.
If you believe your totaled vehicle was undervalued, you may be entitled to file a car insurance lawsuit and pursue compensation for an undervalued total loss vehicle.
Do you qualify?
Some major car insurance companies may incorrectly adjust the value of a vehicle to lower total loss payouts.
If your total loss settlement was less than expected and you believe your car insurance company undervalued your claim, you may be eligible to join a car insurance lawsuit. A total loss insurance claim investigation could help you pursue the compensation you deserve.
Fill out the form on this page for more information.
The law firm responsible for the content of this page is: Normand PLLC; Orlando, FL; 407-603-6031; normandpllc.com
What is a total loss insurance claim?
In the most basic terms, a total loss occurs when your car is so severely damaged in a traffic collision that repairing it would cost more than the vehicle’s value.
The method for determining a total loss can differ by state and insurer, which can directly affect the payout you receive. Knowing how a total loss is determined can help you spot if your settlement was fair or potentially undervalued.
How do insurance companies calculate total loss?
When calculating a total loss insurance claim, insurers typically rely on an independent appraiser to evaluate the vehicle’s market value. This evaluation considers multiple factors, including mileage, overall condition, and normal wear and tear. Car insurance companies may also compare your car to similar vehicles for sale in your area to determine a fair market value.
In addition to the vehicle’s assessed value, your total loss payout may include other costs such as sales tax, title fees, and registration fees, depending on your state and your insurer’s policies.
How are insurance companies lowering insurance payouts?
Some car insurance companies are reportedly reducing total loss payouts by using questionable adjustments, such as “projected sold adjustments.” This method assumes that if a comparable vehicle were resold, the seller would offer a discount, which lowers the perceived value of your car.
As a result, your total loss settlement could be hundreds of dollars less than the actual market value of your vehicle.
How to join a total loss lawsuit investigation
Insurance companies are supposed to pay the full value of your totaled vehicle, but when they devalue your total loss, it can create financial hardship and stress during an already trying time.
If your total loss insurance claim was lower than expected, you may be eligible to join a total loss car insurance lawsuit investigation. Participating could help you pursue additional compensation and hold the insurer accountable for undervaluing your vehicle.
Fill out the form on this page to see if you qualify for a free case evaluation.
See If You Qualify
Join a total loss lawsuit investigation
Filling out this form is quick and easy. It only takes a few minutes to see if you qualify.
After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.
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Please add me to this class action lawsuit.
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My boyfriend and I were involved in a hit and run. The other driver was intoxicated blew threw a stop sign hitting us and spinning our car a complete 360° and then facing opposite direction we were heading. We were both injured, his car was determined a loss, his gas powered pedal assist bike that he had built himself was completely smashed and I would like another look into our case.
My boyfriend and I were involved in a hit and run. The other driver was intoxicated blew threw a stop sign hitting us and spinning our car a complete 360° and then facing opposite direction we were heading. We were both injured, his car was determined a loss, his gas powered pedal assist bike that he had built himself was completely smashed and I would like another look into our case.
Was passingr in a 45 mph head on car crash and was very badly injured not at fault
I had a 2019 Honda Pilot EXL with 38,000.00 miles in mint condition and it was totaled by someone who ran a red light & tboned me on May 21st 2025. I had to buy a lesser valued car with more miles and spend an additional $5000 to get a comparable car. Allstate was terrible to deal with.
yes I was almost hit head on but I had quick instincts that prevented it, but he was intoxicated and no driver license no insurance and crossing in a no crossing zone this happened in Monroe County on A1A IN ISLANDMORDA RIGHT BY THE BIG SEA SHELL AND THEN THE TOW TRUCK DRIVER SAID THAT IT’S WAS TOTALED BECAUSE HE WAS A INSURANCE ADJUSTER BEFORE AND THE BACK AXLE WAS BROKEN AND THEN I WAS HIT SO HARD I PISSSD ON MY SELF AND THEN MY INSURANCE COMPANY GEICO KEPT THE CAR FOR MONTHS AND IT STILL WASN’T WORKING THE DRIVER SIDE BACK WHEEL CONSTALY RUBED AND THEN THE ROOF STILL HAD A CREASE IN IT!!!