Was your vehicle recently declared totaled? You’re not alone—and you have options. Whether you’re dealing with a major collision or extensive auto body damage, here’s a breakdown of what to do next.
1. Accept Your Insurance Payout
This is the most common and hassle-free route. Your insurer will offer a settlement based on your car’s actual cash value. If you accept, they’ll take ownership of the vehicle and issue your payment (minus your deductible).
2. Dispute or Appeal the Settlement
If you feel the insurance company’s offer is too low, you can appeal the decision. Gather comparable vehicle values, receipts for recent repairs, and other evidence to support your case.
3. Keep the Totaled Vehicle
Is the damage mostly cosmetic? You may choose to keep the car, especially if it’s still drivable. Just keep in mind that your insurance provider may label it as a salvage vehicle, which can affect future coverage and resale value.
4. Get It Repaired at an Auto Body Shop
Want to keep your vehicle on the road? Choose to repair it yourself or pay the difference not covered by insurance. In many cases, insurers will cut you a check for the car’s value (minus your deductible), and you can take it to an auto body repair shop you trust.
At Mathews Auto Body, we can help you evaluate whether repairing your vehicle is worth it—and we’ll work with your insurance company to simplify the process.
5. DIY Repairs
Do you have experience making repairs on vehicles? It’s not required to take your vehicle into a professional, do it yourself! This can save money, but be cautious—safety must always come first, especially with structural or frame damage.
6. Donate the Vehicle
Don’t want to deal with repairs or insurance disputes? Consider donating your vehicle. Many organizations offer free towing and your donation may even be tax deductible.
7. Sell It for Parts
If the vehicle is beyond repair, sell it for scrap. Local salvage yards or auto recycling centers may pay cash for usable parts, especially engines, transmissions, and tires.
Need Help with a Totaled Vehicle
Contact Mathews Auto Body today. With over 35 years of experience, our certified collision repair specialists can help guide you through the repair or claims process.
We proudly serve Kennewick, Pasco, Richland, and surrounding Tri-Cities areas. Whether you’re looking for auto body repair, frame straightening, or a second opinion on your totaled vehicle, we’re here to help.
Visit us or call today for a free estimate!
