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Started By
Message
Insurance- how long to make a decision of a wrecked vehicle is totaled?
Posted on 3/27/24 at 7:05 am
Posted on 3/27/24 at 7:05 am
As the title states, how long should an insurance company take to make a decision if a car is totaled or not? Going on 130 days currently and it’s aggravating as heck! 
28
Posted on 3/27/24 at 7:05 am to BigApple
Get gordon
Posted on 3/27/24 at 7:06 am to BigApple
If it’s not too long to make a claims decision, it’s not too long to develop a sore neck and back.
Posted on 3/27/24 at 7:08 am to BigApple
Mine took about 72 hours. Had a check for the full value ~24 hours after that.
Erie insurance and we’re in TN if that matters at all (maybe it does?).
Erie insurance and we’re in TN if that matters at all (maybe it does?).
Posted on 3/27/24 at 7:11 am to BigApple
130 days?? What the hell happened??
They let me know my truck was totaled in less than a week. Got the check the next day.
They let me know my truck was totaled in less than a week. Got the check the next day.
Posted on 3/27/24 at 7:13 am to BigApple
130 days?! Definitely not that long. It’s usually not over 3-4 days. Certainly not more than a week.
I bet they aren’t paying for a rental.
I bet they aren’t paying for a rental.
Posted on 3/27/24 at 7:17 am to BigApple
Just went through this. I had the decision back a day after submitting the estimate and received the offer for my car the following day. Can't imagine any reason it would take that long.
Posted on 3/27/24 at 7:17 am to BigApple
2 weeks max. Post what insurance you have so we know to never use them.
Posted on 3/27/24 at 7:22 am to BigApple
quote:
Going on 130 days currently
Holy crap. Something is wrong. My dad’s took 48 hours (it was obvious). Mine took 3 weeks cause it wasn’t as obvious.
Posted on 3/27/24 at 7:26 am to BigApple
quote:
Going on 130 days currently and it’s aggravating as heck!
You think that's bad?
Your claims adjustor just died and all you care about is your totaled vehicle.
Get some priorities and send a card. Please.
/s
Posted on 3/27/24 at 7:27 am to BigApple
Let’s see… car got dropped at the shop at 11 after the accident. Got a call from the estimator at 3 that she stopped adding the damages at x amount and there was still more to go. Insurance called the next day.
Posted on 3/27/24 at 7:28 am to BigApple
There is WAY more to this story than you are telling us.
Posted on 3/27/24 at 7:32 am to BigApple
If it takes 4 months it’s got to be totaled. A month is long enough.
It’s like video reviews in sports. If you can’t decipher what happened within 30 seconds, one minute at most, go with the call on the field.
It’s like video reviews in sports. If you can’t decipher what happened within 30 seconds, one minute at most, go with the call on the field.
Posted on 3/27/24 at 7:48 am to BigApple
This is not normal but certainly happens. Who is the insurance company?
And what is the whole story?
And what is the whole story?
Posted on 3/27/24 at 8:06 am to BigApple
A few days. Week at most.
Call the adjuster, get their supervisor on the phone, and tell them that if they haven't gotten back to you with a decision by the end of the week that you're contacting a lawyer on Monday morning. 4 months is ridiculous. You're about 3.50 months more patient that I would've been
Call the adjuster, get their supervisor on the phone, and tell them that if they haven't gotten back to you with a decision by the end of the week that you're contacting a lawyer on Monday morning. 4 months is ridiculous. You're about 3.50 months more patient that I would've been
Posted on 3/27/24 at 8:11 am to BigApple
Give more details. Is your vehicle in a shop torn down? What has the company told you thus far?
Is this your insurer or another party's carrier?
Is this your insurer or another party's carrier?
Posted on 3/27/24 at 8:12 am to BigApple
I had my truck hit by lightning while evacuated for Hurricane Laura in August of 2020. Truck electronics were fried but dealership couldn't get power to the truck to figure out all that was wrong with it so they couldn't give insurance an estimate and due to covid supply chain issues they couldn't get parts to figure anything out. Geico drug things out for 5 months. When I called them and told them I'd no longing be dealing with them and for now on my attorney would be handling all correspondence I had a check in less than a week. Attorney never even had to call them.
Posted on 3/27/24 at 8:29 am to BigApple
It's been probably 20 years since I've had to deal with the crap you're going through, but IIRC there's a 75% rule. Meaning if the parts, labor etc. are at or above 75% of the blue book value, then they legally have to total your vehicle. In either case, the 130 days is an unfair claims settlement practice and bad faith in their 1st party coverage to make you whole, so there are additional bad faith penalties you're entitled to. Assuming you're in La., file a complaint with the La DOI. I believe the link is directly left of Tim Temple's picture on the home page.
Posted on 3/27/24 at 8:42 am to BigApple
Could be that the vehicle is not "totaled" but there are still a global supply chain issues. I went through this a year ago. At some point it became more economical for the company to total the vehicle out then keep paying for rental, etc. even though the vehicle was repairable.
Posted on 3/27/24 at 9:28 am to BigApple
Mine recently took about 1 week. Got a surprisingly good payment for it too.
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