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Auto Insurance Claims/total loss of car


I live in Houston. Tx. I had a 2002 Avalon that my wife had an accident with and was declared total loss.
Geico only offered me $4000 minus deductible for the car and I didn't accept. My agent says they will not pay me more.
I feel I am being cheated by about $1000 to $ 1500 . They sent me a CCC car evaluation and comparison report. They have a baseline adjustment of - $1358 on all the cars that were compared to my car. According to KBB my car value with the mileage adjustment is about $5600 if I wanted to buy retail value


  CCC has already settled out of court for problems with they way they evaluate vehicles for insurance companies; I won't go into that.  But, a Google search for CCC class action settlement would yield interesting results.  You are right that the baseline adjustment CCC uses is not explained anywhere.  Unfortunately, my opinion is that your options are limited.  You can fight on principle or give up due to economics. . .  

Here is the problem . . .

You have to be a credible threat to GEICO.  Right now, you have no better evidence than GEICO has as far as the value of your vehicle.  You need an expert appraiser to give an opinion contrary to CCC's.  CCC is also not an appraiser (it is a company that uses a computer system to give values).    

I will point out that your vehicle is a privately owned vehicle, and not a retail vehicle.  The value of your vehicle would be based on the private market, and not the retail market.  Even so, if the value of your vehicle is $5000.00, then if GEICO offers $4000.00, the only way you can argue successfully is to hire an independent appraiser and file suit.  Most people give up, and GEICO knows that.  

If you don't give up, you'll spend appraisal fees, court costs, and witness / travel costs, which could cost you nearly $1000, and at least $600.00 in a best case scenario.  I consult with insurance companies, individuals and attorneys about this very thing for a living.  Trust me, if you want to fight, you can win more money, but it might cost you your winnings just to fight!  We fight for principle all the time, but that's a personal choice you have to make.  Information is always free at Petty Details, LLC.  I hope this helps you to decide what you need to do.  

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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