Total Loss Auto Claims: What You Need to Know

When vehicle damage is so extensive that repair costs approach or exceed a significant portion of the car’s value—typically around 80%—or when the damage compromises safety, it may be classified as a total loss. We specialize in handling all types of total loss claims, including those resulting from collisions, natural disasters like floods and hurricanes, and theft. Our process is simple and client-focused: once you engage us through a few quick DocuSign documents, we take it from there. Most claims are resolved within 1–2 weeks. As licensed appraisers, we work directly for you, the policyholder—not the insurance company—ensuring you have a knowledgeable advocate in your corner. Many people don’t realize how much control insurers have in these situations, which is why having an expert on your side can make all the difference.

Customer Experience & Trust

When you contact us about a total loss claim, you can expect empathy, clarity, and speed. We begin with a thorough review of your vehicle’s damage and work efficiently to resolve the matter on your behalf. Our team investigates the true value of your vehicle and walks you through the anticipated settlement, so you understand every step of the process. While we don’t directly provide services like towing or valuation, we can recommend trusted providers—and we handle all the documentation to make your experience as smooth as possible. Our track record speaks for itself: we’ve helped clients secure significantly higher settlements than initially offered by insurers, with increases ranging from $12,000 to $27,000 and even $42,300 to $58,500. What sets us apart? Every representative at ACI has worked inside the insurance industry—we know the policies, the loopholes, and how to advocate for you when it matters most.