A car is considered “totaled” when an auto insurance company decides that the cost of repairs exceeds the car’s actual cash value (ACV). Some factors that help determine your car’s ACV include: year, make, model, mileage, pre-loss condition, salvage value, and sales price of similar vehicles in the area.

Understanding Your Auto Repair Rights

Nobody likes being taken advantage of, and dealing with insurance companies and auto body shops can often feel like an uphill battle. Whether you’ve been in a fender-bender or a major auto collision, knowing what insurers and shops are allowed or not allowed can give you peace of mind and protect your wallet.

Direct Repair Programs (DRP) vs. Independent Auto Body Shops: Which is the Right Choice for You?

Getting into a car accident can be a stressful experience and finding the right shop to get your vehicle repaired is often a part of that. Your insurance company will recommend you go to one of their preferred auto body shops and you might be inclined to follow their advice. However, you should first consider what is in your best interests and what will benefit you the most, whether or not your insurance company has those interests in mind.

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