How To Negotiate a Total Loss Auto Insurance Settlement (2023)

When navigating a total loss car insurance settlement, consider how you can get more value out of your vehicle. Since most states set the percentage for total loss car insurance settlements around 70% to 80%, you can get a general idea of where the repair cost needs to be under. Many of the most valuable total loss car insurance settlements will be because you pointed out the extra value in your car's cosmetics and additional parts.

UPDATED: Jan 23, 2022Fact Checked

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Farmers CSR for 4 Years

UPDATED: Jan 23, 2022

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UPDATED: Jan 23, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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