In this Quick Tip video from the Society of Collision Repair Specialists, Michael Giarrizzo Jr. of DCR Systems is joined by Sean Preston, managing attorney with Coverall Law, to discuss who determines if a vehicle is a total loss and what consumers should know when they disagree with that decision.

Preston explains how insurers evaluate repair costs and actual cash value, and why the rules can vary by state. The discussion also covers what consumers can do when they question the numbers that were calculated, including requesting documentation, reviewing the valuation, providing supporting information, and understanding potential appraisal or legal options. Preston emphasizes the importance of asking questions and making sure the insurer can substantiate the numbers behind a total-loss decision.

Disclaimer: This video is provided for informational purposes only. It is not intended to provide legal advice and should not be relied upon as such. Laws and regulations vary by state and individual circumstances. For legal advice regarding a specific situation, consult a qualified attorney licensed in your area.

The video was filmed at the I-CAR Chicago Tech Center.