DO’S AND DONT’S WHEN HANDLING A TOTAL LOSS.

Being told your vehicle is a total loss can feel overwhelming.Fast decisions, confusing paperwork, and pressure from insurance all at once.

Before you agree to anything, here are a few important do’s and don’ts that can protect your money and give you clarity.

DO understand what “total loss” actually means

A total loss does not mean your vehicle has no value.
It simply means the insurance company decided the cost to repair exceeded their internal formula. That number is not always final.

DON’T accept the first settlement offer automatically

Initial offers are often based on incomplete or inaccurate information, such as missing vehicle options, outdated market comparisons, or lower priced listings.

You have the right to question and challenge the valuation.

DO gather your documentation

Maintenance records, recent repairs, new tires, upgrades, and service history all matter. Anything that increases the value of your vehicle should be accounted for.

DON’T rush the process

You may feel pressure to move quickly, but once you accept a settlement, it is done.

Slow down.
Ask questions.
Make sure you understand what you are agreeing to.

DO know your options

Depending on your situation, you may be able to negotiate the payout, retain the vehicle, or explore alternative solutions.

Every total loss claim is different.

The most important takeaway

A total loss does not mean you lose control.
It means you need the right information before making a decision.

At Best Body Shop, we help people understand their options, even if we are not the ones repairing the vehicle. If you are dealing with a total loss and do not know what to do next, reach out.

We are here to help!

- Best Body Shop
Honest answers when it matters most.