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What To Do If You Dont Agree With Your Insurers Evaluation For Your Totaled Car?

By maria lopez : A how to tutorial about California car insurance quotes, free auto insurance quotes California, auto insurance quotes, Insurance with step by step guide from maria lopez.

You just moved in California and unfortunately you had a car accident, worst of all your car was a total wreck. Good thing you have car insurance however it seems that your insurers evaluation for your totaled car is debatable. There are many reasons why you should get car insurance. Safety and avoiding financial risk are few reasons why you should get one. Many insurers in the state offer California car insurance quotes online and most of these agencies have their own website. Accidents happen and its aftermath could really cause trouble for the car owner, if they do not have a policy. The super highway is one of the most if not the most car accident prone area. Cars usually run at 80 miles per hour in a super highway, imagine a collision between two cars run faster than 80 miles per hour, think of the damages the car will take. In most cases car collision running at a high speed could end up in a total wreck. Now what if this happens to you? What will you do? The first thing a driver should do after a car accident is to check if he/she took any fatal injuries and immediately call for help. It is important to determine who the driver at-fault in the accident is, especially in areas where a tort system is followed by insurers like in California. The provider of driver at-fault will cover for the damages your car took in the accident as the tort system states. Now what happens if your car is a total wreck? The insurer will shoulder the payment for the repairs and replacement for your entire car regardless of its cost if you have a supplement, an auto replacement coverage. In the event you had an accident without any involvement of other drivers like collision with a stationary object, such as a tree or street sign and your car is in a total wreck, the value of your totaled car might shock you. Insurance carriers have their own list of car values; they do not use the National Association of Automobile Dealers value or the standard Kelley Blue Book. Most of their policies have specialized software for determining the cars value in each region. Agencies also take into consideration the cars pre-accident condition and mileage. To avoid paying for a huge amount when your car is a total wreck, purchase a Gap car insurance, it will cover the difference between what you still owe on your car and its actual cash value. What if you do not have one? What to do if you see that the value your insurer offers to your totaled car is not reasonable? First off, show the agency that your car is in good shape before the accident. Present maintenance records such as change oil receipts to show proof that you change oil every 3000 miles. At the same time, present the car mechanics bill to show your regular maintenance check up will also help in the evaluation of your totaled car. Contact your agency and get a list of dealers the offers the equivalent car for the value your insurer is claiming. Sometimes you have to travel hours to find the dealer that offers the cheapest deal. You can also present your case to a neutral party that will review the situation which could grant a much more favorable negotiation, this is called mediation or you can ask for an arbitration or a binding decision. If you are still not satisfied, you can always resort to taking the issue to court. If all things fail, it is best to get California car insurance quotes online and change your insurer. For more information about California Car Insurance Quotes , you can visit Getquotez.com website.

Original article published on PubArticles.com

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