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Adjuster..that he gave me and have it fixed somewhere else

Customer Question

My insurance adjuster indicated my car is a total loss, can I get 3 estimates that are under the dollar amount that he gave me and have it fixed somewhere else. instead of him telling me its a total loss,and would the insurance company be liable to pay for damages?
Submitted: 11 years ago.
Category: Car
Expert:  Tammy F. replied 11 years ago.

I had to check wtih my sister who is an insurance agent on this one.  Her response is below. 


 


No, you can opt to keep the car and have the repairs made to the vehicle yourself, however, the insurance company would require that DMV issued a salvage title.   This would be so that if the vehicle was sold in the future, the purchaser would
know that the vehicle was at one time damaged over 75% of the market value for that vehicle.  Once a vehicle is declared a total loss, you also cannot have physical damage coverage on that vehicle.



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