Vehicle Appraisal
After notifying the insurance company that you have been involved in a car accident, they will send an appraiser out to the location of your vehicle to asses the damages incured and determine if the vehicle is repairable or a total loss. Depending on the insurance company you are dealing with, they usually determine a wrecked vehicle to be a total loss once the cost of the repairs reaches 70% the total value of the loss vehicle the day of the accident.
Although we have seen this decision overturned, it is very hard to sway an insurance one way or another on their decision to repair or replace your vehicle. In cases when the decision was overturned, it has been because the first appraiser did not notice the frame of the vehicle was bent or the engine sustained significant damages that he or she was unable to see the first time out.
