The insurance company did not give me enough money to replace my totaled car, truck or motorcycle. Now what am I supposed to do?

insurance company won't give me enough money to replace my totaled car

If your vehicle was totaled because of a wreck that was caused by somebody else, you rightly expect the insurance company to pick up the tab to replace your car, truck or motorcycle.  However, many Texas accident victims find that the insurance company cuts them a check for LESS than what it would really cost to replace their vehicle.  What is going on?

Remember that insurance companies are driven to create profit.  They’ll lowball you every chance they get, hoping that you will take the money and go away and leave them alone.  But, you have options.

If you aren’t offered a fair replacement amount for your vehicle, you can push back on the insurance company.  You can provide proof that it will cost more to replace your vehicle than what they are offering, in the form of dealer quotes for a similar vehicle or newspaper ads.  You can also say you are going to talk to the Texas Department of Insurance – sometimes, this is enough to get action on your claim.

Your other option is to hire a lawyer.  A Texas auto accident attorney can fight on your behalf with the insurance company to make sure you are fairly compensated for the personal property damage you suffered in the crash. 

Typically, if your vehicle has been totaled, you've suffered injuries in the accident. Combining your property damage claim with an injury claim will strengthen your case against the insurance company. Since insurance companies do everything they can to avoid paying out on claims, the stronger your claim is, the better your chances of being fairly compensated are. To discuss your personal injury and property damage claims with one of our experienced attorneys, give us a call at 877.724.7800 or fill out a contact form on our website.

Vuk Stevan Vujasinovic
Experienced Injury Lawyer. First Generation American. Life-Long Texan. Husband. Father.