When the cost of repairing a vehicle exceeds the vehicle’s value, the insurance company may declare it a total loss. If your car is not fixable, a Stockbridge, GA, total loss lawyer with Kaine Law can fight for a fair cash settlement for its value or a comparable replacement vehicle.
A Stockbridge personal injury lawyer can file your insurance claims or lawsuits against those liable for your crash. We will work tirelessly to get every cent you deserve for your vehicle damages, injuries, and other losses.
Our Stockbridge Car Accident Attorneys Will Protect Your Rights
Insurance is a business, and insurance adjusters look out for their company’s bottom line. When presented with claims, it is their job to find ways to keep payouts low, deny their clients’ liability, or assign fault to the claimant.
Our attorneys have multiple decades of experience handling personal injury claims and dealing with insurers. We can prepare and file your demand letter and official paperwork, but more than that, we can be your voice. We will:
- Deal with case-related communications, ensuring you do not accidentally say or do something the insurance company could use against you
- Protect you from pressure to hastily accept an offer that may be less than you deserve
- Help you prove another party is liable for your damages and defend you against allegations you caused your crash
- Make sure the insurance company’s evaluation of your vehicle’s worth is fair and adequate
- Identify and pursue other losses, including medical damages, lost income, and more
- Stand against bad-faith insurance tactics
- Take your case to civil court if necessary
For a free legal consultation with a total loss lawyer serving Stockbridge, call 404-214-2001
How Much Compensation Can You Get for a Total Loss Vehicle in Stockbridge, GA?
A Stockbridge car accident lawyer knows that every car accident claim is different. However, the insurance company may offer total loss compensation if the cost of fixing your car, truck, or motorcycle is more than the actual cash value (ACV) of the vehicle. When determining the ACV, the insurance adjuster will consider the following:
- Make and model
- Body condition
- Interior condition
- Options packages
- Special features or aftermarket additions (such as paint/bodywork, lighting features, stereo equipment, or navigation systems)
According to GA R&R Rule 120-2-52-.06, to resolve a total loss claim, the insurance company can provide a:
- Cash settlement. The insurance company can pay you a cash settlement equivalent to the fair market value of your vehicle before the crash. To determine market value, the insurer must obtain quotes from licensed area dealerships, listings for comparable vehicles recently for sale in the local market, or estimates from car sales databases like Kelley Blue Book.
- Replacement vehicle. The insurance company can choose to pay for a comparable replacement vehicle, including all transfer fees, licensing fees, and taxes. The replacement must be the same make and model as your totaled car, be the same year or newer, have similar mileage, have similar options, and be in good condition.
What Other Total Loss Damages Can You Pursue?
You should not have to pay anything out of pocket for a car accident that was not your fault. If you sustained injuries, missed work, experienced pain and suffering, or have other bills stemming from your collision, we can help you pursue additional damages, including compensation for:
- Emergency medical treatment
- Doctor and hospital bills
- Medical procedures
- Prescription drugs
- Lost pay
- Personal property damages in addition to vehicle losses, such as the value of laptops, cell phones, or smartwatches
- Rental car fees
- Physical, mental, and emotional suffering
- Wrongful death
Can You Keep Your Totaled Car?
You can keep your damaged vehicle if you choose. However, understand that doing so may mean the settlement you receive is not enough to fully cover the repairs. According to the Georgia Department of Revenue, you must obtain a salvage title if you want to retain possession of your totaled car for salvageable parts.
Stockbridge Total Loss Lawyer Near Me 404-214-2001
Our Stockbridge Attorneys Will Fight for the Highest Available Settlement
Georgia drivers must carry bodily injury and property damage liability insurance to pay for accidents they cause. Additionally, motorists can buy optional policies, including comprehensive coverage, collision coverage, and uninsured/underinsured motorist protection.
According to the Georgia Office of Insurance and Safety Fire Commissioner, the minimum insurance required by law is $25,000 for one injured party, $50,000 for two or more injured parties, and $25,000 for property damages. Insurance companies will only pay up to their policyholder’s limits.
However, if the at-fault party’s insurance does not fully cover your damages, we can seek additional compensation from your own provider (if you have applicable policies) or via legal action. O.C.G.A. § 9-3-33 states that the statute of limitations for filing a personal injury or wrongful death case is two years. Failing to meet this deadline could ruin your chances for a successful settlement or verdict.
What If You Disagree With the Insurance Company’s Total Loss Value?
Our job is to advocate for you. If you do not feel your total loss settlement fairly compensates for your vehicle, we can help prove you deserve more for your damaged car. We can also prove you are due other forms of compensation and that another party is liable for your damages. Case evidence may include:
- Alternative estimates regarding the fair market value or comparable replacement vehicles
- Vehicle service records
- Receipts for vehicle modifications or aftermarket improvements
- Photographs of your vehicle pre-accident
- Proof of another driver’s negligence, including surveillance video, eyewitness accounts, and police reports
- Proof of other accident-related losses, such as medical bills, receipts, and documentation of out-of-pocket expenses
Click to contact our Total Loss lawyers today
Let Kaine Law Work for You
Kaine Law puts client service at the center of everything we do. Because we believe everyone deserves access to professional legal help, we do not charge upfront costs or fees. Our contracts clearly state that you pay us nothing unless we secure a settlement or verdict in your favor.
Contact us today to learn more about our contingency agreements and how our Stockbridge total loss lawyers can fight for you. Our team is available to provide 24/7 support and get you started with a free consultation. You have nothing to lose, and you may have everything to gain.