After a crash, the at-fault driver's insurer (or your own collision coverage) should pay to repair your vehicle. If repair costs exceed a percentage of the vehicle's value, the insurer may declare it a total loss and pay the actual cash value instead.
Repairs and Total Losses
You can dispute a lowball valuation with evidence of your vehicle's condition and comparable local sales.
Diminished Value and Rental Coverage
Even a well-repaired vehicle can be worth less afterward. Texas allows third-party diminished-value claims against the at-fault insurer in appropriate cases. You may also be entitled to a rental vehicle while yours is repaired.
Keep all estimates, receipts, and correspondence to support these claims.
Coordinating With Your Injury Claim
Property damage usually resolves faster than the injury claim. Settling the vehicle claim does not waive your injury claim — but read any release carefully. A free review can help you keep the two properly separated.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Texas attorney.