General Questions
These are the most common questions we've seen after reviewing total loss and diminished value claims for over a decade. Our answers are based on real cases, real negotiations, and how insurers actually evaluate claims.
Start Free Claim ReviewTOTAL LOSS
When your car is totaled, it means fixing it would cost more than what the car is actually worth. So instead of paying for repairs, your insurance company just pays you for your car's market value before the crash — that's called the Actual Cash Value (ACV).
DIMINISHED VALUE
It's the loss in market value your car suffers after an accident — even if it's been fully repaired. Once an accident shows up on Carfax or AutoCheck, your car automatically becomes less desirable to buyers or dealers.