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Fair Market Value
Your insurance company will declare your car as total loss when the repair cost exceeds a certain percentage of your vehicle's value. When this happens, the insurance company will settle your claim based on your vehicle's actual cash value at the time of the loss.
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You always have the right to attempt to negotiate your total loss settlement. We at Denville Bear and Body are always here to help. Whether we repair your vehicle or not feel free to call us for any additional information you may need during this confusing process. Our Claims Specialists have a great deal of experience is total loss claims & may be able to provide you clarity.

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Retain the Salvage
Many vehicle owners release their totaled vehicle to their insurance company and receive the full settlement in cash. However, if you are not satisfied with the settlement your insurance company is offering you may have the option of keeping your vehicle and receive a smaller cash settlement in return. Your insurance company will deduct the amount the vehicle is worth in its damaged condition and give you the balance in cash.