The Total Loss Survival Guide How To Calculate The Value Of Your Vehicle After A Total Loss

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1 The Total Loss Survival Guide How To Calculate The Value Of Your Vehicle After A Total Loss TheyWroteOffMyCar.com., 2014

2 Table of Contents 1. Introduction What is a total loss? What is "Replace Cost"? What is Actual Cash Value (ACV)? What is Market of Loss? What is Market Factor? What is Condition Factor? What is Typical Dealer Discount? What is Take Price? How much is my car really worth? Getting more for your vehicle Replacing your vehicle Frequently Asked Questions About TheyWroteOffMyCar.com...11 The Total Loss Survival Guide, 6 TheyWroteOffMyCar.com,

6 market is being used as a comparison. Similarly, it should be deducted if a vehicle from a less competitive market is being used as a comparison. 7. What is Condition Factor? A condition factor is a reflection of excessive wear and tear due to very large differences in mileage, overall condition and regularity of maintenance. If you are able to demonstrate that you have taken exceptionally good care of your vehicle or the vehicle has considerably lower mileage than most advertised vehicles, a condition factor should be added thus increasing the value of your vehicle. Alternatively, a condition factor should be deducted if your vehicle had exceptionally high mileage or appeared in rough shape relative to a typical vehicle. 8. What is Typical Dealer Discount? There is often room to negotiate on a vehicle s asking price. It is reasonable for an insurance company to deduct an amount that a dealer would typically discount such a vehicle in order to close the sale. Although there may be situations where a comparison vehicle is already priced aggressively with little further room to negotiate, this discount would represent the typical discount on a vehicle of this nature. Please note that if an insurance company takes such a deduction, they should be prepared to back it up with evidence or guarantee on the replacement. 9. What is Take Price? The take price is a reasonable estimate of what a dealer would take for the vehicle (asking price minus discount). 10. How much is my car really worth? If you are like most people, you skipped to this section first and we don t blame you. Just be sure to look over the other sections of this document to make sure you haven t missed anything. When trying to establish a fair and reasonable market value, the insurance company cannot selectively choose a few vehicles to compare against. This would be an unfair practice as it would skew the final value to their benefit. An insurance company The Total Loss Survival Guide, 6 TheyWroteOffMyCar.com,

11 14. About TheyWroteOffMyCar.com TheyWroteOffMyCar.com is a consumer advocate and helpline for people who have had a total loss. It's sister website, MyCarisWorthLess.com provides assistance to those whose vehicle has been repaired. TheyWroteOffMyCar's services include review of the insurance company's valuation report to ensure it is fair (\$75). If we feel it should be higher, then we will run our own report using the best practices defined in this guide and provide you with the credible data you need to have the insurance company review their value and point out any mistakes they made in their calculations. We will also guide you in what to say and how to say it. Insurance companies will take you much more seriously if you provide a proper argument to defend your position and demonstrate the flaws in their research. If we feel that the value is already fair or generous, we will advise you and there will be no further charge. For questions, concerns or to get a second opinion on your insurance company s valuation, contact our Free Support Helpline at: Toll Free from anywhere in North America: (866) The Total Loss Survival Guide, 6 TheyWroteOffMyCar.com,

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