[LGAFF]

Total losses are determined by the following:

*Dictated by the state based upon a % of the ACV; writing an estimate based upon avg shop skills and tools access, with a labor rate used in the area.

*Economic total losses: Meaning that the estimate minus the approx salvage value exceed the value of the car.

*Structural: Damage is such that it is not safe to repair


If you disagree with the value, you can file a department of insurance complaint, use the arbitration clause in your contract, or file suit. Most values are based upon vehicles for sale in your area....and many of the large companies(CCC/Mitchelle) that do values use large dealer values to get the prices. Keep in mind most dealers go through a car with tires, brakes, etc prior to putting it on the lot. All methods are subject to DOI review

If there are not enough comparisons to use companies might use a book or dealer quotes