Sample issue

Hi there,

This issue's claim step: the total loss offer

When repairs would cost more than a car is worth, insurers usually pay its actual cash value instead. The first offer is based on a valuation report, and it's fair to check it.

1. Ask for the full valuation report, including the comparable vehicles used.
2. Check that the comparables match your car's year, trim, options and mileage.
3. Gather your own evidence: local listings, service records, recent new tires or repairs.
4. Reply in writing with your evidence and the amount you think is fair.

Full guide: When your car is a total loss.

This issue's safety tip

Keep reflective triangles and a small flashlight in the trunk. After dark on a highway shoulder, being seen is the best protection you have.

Reader question

"Should I file with my insurer or the other driver's?" In general terms: your own collision coverage is often faster but you pay the deductible (which may be recovered later); the other driver's insurer avoids the deductible if they accept fault but can take longer. Our filing guide explains more.

Drive safe,
Road Protect