If you were in a car accident in Conyers and your vehicle damages constitute a total loss, Kaine Law can help you fight for fair compensation. A Conyers car accident lawyer will help you seek adequate awards to pay for a replacement vehicle.
Our lawyers can also help you pursue additional personal injury damages via an insurance claim or lawsuit. We can talk with you more about your potential claim during a free consultation today.
Kaine Law Stands Up for Total Loss Victims in Conyers
Car accidents can be traumatic and scary, and dealing with their aftermath can seem overwhelming. Let our Conyers personal injury lawyers handle your legal issues and help you secure fair compensation for your totaled vehicle. We will take care of every detail of your case, saving you the time and stress of haggling with insurance companies.
If your collision resulted from another party’s negligence, you deserve compensation. Our Conyers total loss lawyers will:
- File your car insurance claims
- Ensure the insurance company issues a fair evaluation for your totaled vehicle
- Stand up against bad-faith insurance practices
- Help you identify and pursue other accident-related losses
- Collect evidence proving liability for your collision
- Represent you during negotiations and pursue the appropriate settlement in your case
- Pursue compensation with civil court action if necessary
Our Conyers Total Loss Lawyers Can Explore Your Legal and Insurance Options
As Georgia’s Office of Commissioner of Insurance and Safety Fire explains, Georgia drivers must have $25,000 in bodily injury liability coverage per person/$50,000 per accident, and $25,000 in property damage liability. Our Conyers lawyers can pursue the total loss of value of your vehicle up to the at-fault party’s insurance limit.
If your vehicle damages and other losses exceed the liable party’s coverage amounts, we could seek additional awards through optional policies you hold, such as collision coverage or uninsured/underinsured motorist protection.
If insurance companies fail to offer an adequate settlement or act in bad faith, our team will not back down from taking your case to trial. Kaine Law fights for victims and their families, and we will exhaust every available avenue to get the compensation you need.
We Can Help You Pursue Additional Car Accident Damages
Collisions severe enough to total your car may also result in injuries and other related losses. Our Conyers total loss lawyers can review your case and determine if you qualify for additional car accident damages, including:
- Current and future medical expenses
- Wages, income, and earnings lost due to your injuries and recovery
- Monetary awards for physical pain, emotional suffering, and mental anguish
- Compensation for the wrongful death of a loved one
For a free legal consultation with a total loss lawyer serving Conyers, call 404-214-2001
When Is Your Vehicle Damage Considered a Total Loss?
In general, automobile insurance companies will deem your vehicle a total loss if the cost of repairs exceeds the vehicle’s actual cash value (ACV). According to GA R&R Rule 120-2-52-.06, insurers have two options for settling totaled vehicle claims:
- Cash equivalent method. Insurance companies can elect to pay a cash settlement equal to the fair market value of a replacement vehicle. To determine fair market value, insurers must obtain two advertisements for comparable vehicles for sale during the previous 30 days within 100 miles of the county seat where the totaled vehicle is garaged. Alternatively, insurers can seek quotes for comparable vehicles from two or more licensed auto dealers within 50 miles.
- Replacement vehicle method. An insurance company may decide to purchase a comparable replacement vehicle, including paying all license fees, taxes, and other costs necessary to transfer vehicle ownership. The replacement vehicle must be the same model as your damaged vehicle, come equipped with similar options, be the same year or newer, have comparable mileage, and be in overall good condition. The vehicle must also be available for inspection within 50 miles of the insured’s residence.
What Happens to Your Totaled Car?
Usually, the insurance company will keep your wrecked vehicle in a total loss claim. According to the Georgia Department of Revenue, the insurer must apply for a salvage title within 30 days of the settlement date. Once the title is transferred, the insurance company can scrap/salvage the vehicle and recover the profits.
You can keep your totaled vehicle if you choose. If you would like to retain the vehicle for salvage, you can do so by applying for a salvage title. However, the insurance company will reduce your settlement by the salvage value.
If you would like to fix your car even though the insurance company has deemed it totaled, you can file a claim for repairs, but your settlement may not fully cover the cost.
Conyers Total Loss Lawyer Near Me 404-214-2001
What If You Disagree With an Insurance Company’s Evaluation?
When deciding the value of your cash settlement or searching for a comparable replacement, an insurance company will consider several factors concerning your vehicle, including its:
- Make and model
- Age and mileage
- Pre-accident condition, both exterior and interior
- Special features or options packages
- After-market additions, such as stereo equipment, navigation systems, or special lighting
You do not have to accept the insurance company’s initial offer. If you disagree with its assessment of your vehicle’s value, our Conyers total loss lawyers can negotiate a more advantageous settlement. We may use the following evidence to prove your car is worth more:
- Photographs of your vehicle before the accident
- Vehicle maintenance records
- Receipts showing after-market vehicle additions and their value
- Alternative advertisements and dealership estimates showing that the market value for a replacement vehicle exceeds your insurance offer
- Estimates from licensed mechanics proving they can repair your vehicle for lower than its ACV
Georgia’s Statute of Limitations
According to O.C.G.A. § 9-3-32, you have four years to recover compensation for personal property damages. However, if you have damages resulting from injuries or a loved one’s death, you have two years to file your case under O.C.G.A. § 9-3-33.
It is a good idea to start on your insurance claims as soon as you can. Waiting too long could result in a denied or underpaid settlement. In addition, if your case goes to court, an expired statute will likely result in a dismissal.
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Contact a Conyers Total Loss Lawyer from Kaine Law Today
With our no-fee guarantee, you pay us nothing unless we win your case. Contact Kaine Law’s offices today for a free consultation. We can talk with you more about your situation and explain how our Georgia total loss lawyer serving Conyers could help you.
Call or text 404-214-2001 or complete a Free Case Evaluation form
