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Auto Insurance Claims/Total Loss Auto Claim Issues


Hi...My car was declared a total loss, insurance determined value they would pay of apprx $5500. I am trying to find a comperable replacement car within that price range, but am  unable to as all I find are selling for twice as much or have almost double the mileage on my car (2003 Hyundai Santa Fe), and many are both. Insurance (located in another time zone) has been leaving me many messages to "follow up" over last week and now is saying they are closing my claim within 7 days. They are not at all cooperative with me and I don't know what to do. I can only "shop" for a replacement car on weekends.
Can they put a time limit on my signing off on the payment and close my claim and just pay whatever they want?? Is there anything I can do?

You are in charge of when the claim is settled.  Nobody except you can close it down.  You do not have to accept what they offer, but if you don't want to accept it, you have to prove the amount that is due to you.  Most of the time the insurance carrier will just bully you because it is very hard to prove a value.  

Your question requires so much info that it is difficult to answer over a forum like this.  I consult with victims, attorneys, and insurance comapanies about this exact thing all day every day.  I urge you to call my office and I can give you a lot more information and actually give you information that might actually assist you, all for free, because that is just how I roll.  If you need a formal appraisal or something like that, you will know it before you have to spend any money and that alone is sometimes worth the time in making a call.  Information is always free at Petty Details, LLC.  214-227-2154

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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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