Q-Tips
Substantial Property Damage

Please note: The law constantly changes, and you can’t be 100% confident in the information provided.
Feel free to call our offices with any questions:
1-800-332-1992.
Remember then, if the car is totaled, you will only receive the value of the car as its sits today. You can get an idea of your car’s value by checking the Kelley Blue Book. The insurance company will deduct any wear and tear, and prior damage, so you may end up in a situation where the loss to you may be substantial.
If there has been substantial damage (but the auto is not totaled) to your auto, and it is at a dealership, then you might ask the sales manager to take your car in trade on another car and offer to give them the insurance check for the damages to the automobile. When the dealership gives you an estimate to repair the car, they are giving you a price based on their cost at retail rates. They may be willing to take your damaged car, because the dealer’s cost of repair will be less. It may be to the dealer’s benefit, and yours, to trade the damaged car, give the dealer the insurance proceeds, and get a new car.
Please note: The law constantly changes, and you can’t be 100% confident in the information provided.
Feel free to call our offices with any questions:
1-800-332-1992.
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Articles on this site are not binding legal advice and are being provided for educational purposes only. Laws change constantly, so articles on this site should not be relied on when making legal decisions. For the most current information, please contact our office.