insure logo

Why you can trust

quality icon

Quality Verified

At, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

If your car has been deemed a total loss after an accident, the cost of repairs exceeds its value. You can negotiate a fair settlement for your totaled car with your car insurance adjuster. Here are all you need to do to make the process smooth and easy.   

Documenting the damage and researching

  • Gather evidence – Take photos of the damage from various angles. This helps you present a clear case for your car’s pre-accident condition.
  • Research your car’s value – Use online resources from websites such as NADA or KBB to estimate the value of your car before the accident. This will serve as a benchmark during negotiations.

Opening negotiations and presenting your case

  • Know your policy – Familiarize yourself with your insurance policy to understand coverage details and rights.
  • Prepare a case – Create a folder with all relevant documents, including repair estimates, your car’s value, and any receipts for recent improvements. 

Effective communication and settlement

  • Get an estimate – A car expert or a knowledgeable witness can give you a detailed estimate about all the fixes your vehicle needs.
  • Explain your point – Present your evidence and explain why your car’s value should be higher. Be clear and concise in your arguments.
  • Review the car insurance adjuster’s offer – All offers the adjusters make might not be acceptable. It is best to review them based on your estimates and evidence to get a fair settlement.  
  • Be open to compromise – Consider reasonable adjustments that can lead to a mutually beneficial solution.
  • Ask for a reconsideration – If the initial offer isn’t satisfactory, politely ask for a reconsideration based on your provided evidence.
  • Get everything in writing – Once you and your claims adjuster both decide on a settlement, make sure to write down all the details to confirm the agreement. This way, everyone knows what they need to pay, and everyone has the same understanding of what to expect.


Remember, negotiating with car insurance adjusters is a collaborative process. By being well-prepared, polite, and willing to work together, you can maximize your chances of getting a fair settlement for the total loss car.