If your car was damaged beyond repair in College Park, Georgia, you can seek the full worth of it, and you don’t have to do it alone. A total loss lawyer from Kaine Law can handle your case. We can also provide you with a College Park personal injury lawyer if you suffered injuries in an accident.
In order to make sure no potential money is left on the table when you file a claim with your insurance provider, Kaine Law has a team ready to assist you.
Laws That Apply To Your Total Loss Case
In Georgia, when you file a total loss claim with an adjuster, they should calculate the full value of the car and reimburse you for said amount; however, insurers may fail to include certain expenses associated with replacing the vehicle when tallying your payment, such as taxes, license plate fees, registration, title transfer costs, and more.
If you do not believe that you are getting the full amount for your vehicle, Kaine Law can help you pursue reimbursement through a lawsuit.
For a free legal consultation with a total loss lawyer serving College Park, call 404-214-2001
Our College Park Total Loss Attorneys Go the Extra Mile for Our Clients
Decades of work have afforded us a wealth of experience in assisting with filing insurance claims, which often involve:
- evaluating insurance policies
- Dealing with policyholders
- Assisting clients with any necessary documentary preparation
- Calculating the monetary value of their vehicle and other damages
- Representing our clients during litigation
Whether you’re dealing with an insurance provider or even a careless driver who has damaged your car, we’re here to help.
Previous Clients’ Testimonials
Here are two testimonials from former clients who detail what it was like working with our legal team:
- “I was involved in an auto accident with a drunk driver, and after several weeks of frustrating interactions with their insurance company, I decided to contact Evan Kaine. He was upfront and honest about how the process worked and never made any promises or raised my expectations. Evan understood that my first priority was to take care of the medical expenses that I incurred, and he completely delivered. Communication is essential, and I spoke directly with him and was never pawned off to another person. Bottom line – Evan Kaine gives lawyers a good name.” – M.T. Atlanta, GA
- “Evan Kaine is a great attorney who kept me informed on all activity regarding my case. Always willing to go the extra mile to put me at ease. Very knowledgeable and thorough, always examining my case from every angle. I have recommended him to several friends and will continue to do so. Overall great legal service.” – B.S. Roswell, GA
College Park Total Loss Lawyer Near Me 404-214-2001
What is Total Loss?
Total loss is the utter destruction of your vehicle to the point that it is no longer operable. In a typical insurance policy, if a car has been damaged to the point where the cost of repairs is equal to or greater than the cash value of the vehicle, it is considered a total loss.
If your insurer or policyholder has deemed your car to be a total loss, they can, per Georgia’s total loss laws, either pay you the full value of the car in cash (minus depreciation and your policy’s deductible) or purchase another vehicle for you outright. Since the replacement car would need to be virtually identical to your previous one, a cash reimbursement is the most likely route most insurers will take.
What Will Happen To My Car?
If you file an insurance claim for total loss, your insurance holder may recover your damaged vehicle and likely attempt to salvage it or sell it for parts.
If your insurer decides to keep your destroyed vehicle, you can sell it for parts or try to get a salvage title to get it back on the road. The latter is a time-consuming process that requires you to obtain a builder’s license, fix the car yourself, register it as a salvaged vehicle, and pass a series of inspections before you can drive it again.
How Will Owing Money On The Car Affect My Claim?
Even if you still owe money on the car, you can submit a total loss claim, but your payout will be reduced by the amount owed. What remains after the loan is paid will be yours to keep if what you owe is less than the estimated value of the vehicle. If your debt exceeds the amount of your settlement, you will be required to pay the remaining balance out of pocket.
If you have gap insurance, which will pay the difference if what you owe exceeds what you will get from your insurance claim payment, you can prevent this. Gap insurance is an optional coverage that your insurer will typically offer when you buy a car; it is not compulsory for drivers in Georgia. It may be a requirement if you are leasing the vehicle.
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If You Suffered Injuries Along With the Total Loss of Your Car
If you’ve been in an accident, you might have been hurt. If the incident that totaled your car also hurt you physically, you can file a personal injury claim against the negligent party.
In addition to the costs of vehicle repair or replacement, the person(s) responsible for your injuries can be held liable to pay your recovery bills and cover additional expenses like reduced earning capacity, potential disability, pain and suffering, disfigurement, and lost quality of life.
This will require an investigation into fault and proof that the driver violated their duty of care to you, causing your injury and leading to damages. Rest assured, our firm is also experienced in this area of law and will handle all legal aspects of your case, including any class action lawsuit or act of negotiation with your insurer.
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The Statute Of Limitations Will Depend On Your Claim
Claims made to receive funds for a totaled car are classified as property damage claims which, according to the O.C.G.A. 9-3-32, gives you a time span of four years from the date of the accident in which the car was totaled.
Moreover, O.C.G.A § 9-3-33 generally gives you two years from the date of your injury to file a personal injury lawsuit if the accident also physically wounded you. You can pursue a lawsuit for additional damages.
The Total Loss Attorneys At Kaine Law Are Standing By
Our attorneys in College Park are here to accept your calls. We provide free consultations and are accessible round-the-clock. We do not accept payment unless we are successful in winning your case. Let’s get to work on getting you what you need. Contact us today!