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Total Loss and Car Insurance
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I get what you’re saying about ACV feeling like a way to shortchange us, but I’ve actually had a claim where it worked out better than I expected. Like you said,
That’s exactly what happened for me. I kept every oil change receipt and even had photos of the car before the accident. The adjuster tried to lowball me at first, but once I showed them all my records, they bumped up the offer by almost $800. Not huge, but it covered my deductible.“If you’ve got maintenance records, sometimes you can push back and get a little more.”
I do agree that the formulas aren’t perfect—sometimes they miss stuff like new tires or aftermarket parts. But I’d rather have them use actual sales data than just go off whatever’s listed online. Those prices are all over the place.
It’s frustrating, no doubt. But if you’re organized and willing to argue a bit, you can squeeze a fair deal out of it. Not always, but it’s not as rigged as it looks on the surface.
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