When the vehicle is gone, not just damaged.
A total loss turns a repair problem into two different ones: getting the valuation right, and replacing the vehicle without the pressure doing the negotiating for you.
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Valuation before replacement
The insurer's first total-loss number is an opening position. Comparable listings, condition, and recent maintenance all move it, and accepting before checking is the expensive version. If there is also an injury, an attorney can look at the whole picture at no cost.
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Watch the gap
If the payoff on the loan exceeds the valuation, the difference is yours unless gap coverage picks it up. Know which situation you are in before shopping, because it changes the budget.
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What we do
We route your request to participating dealers and retailers so replacement offers come to you. We do not rank or recommend, and the pace stays yours.
Settle the number first. Shop second. Pressure is the seller's tool, not yours.
A provider in this category? Pricing and tiers · Eligibility
Replace it on your schedule.
Five short steps, about a minute. No cost, no obligation, and the categories you pick are the only ones that hear from anyone.