{"id":34391,"date":"2023-04-27T18:25:58","date_gmt":"2023-04-27T16:25:58","guid":{"rendered":"https:\/\/www.cbleon-abogados.com\/how-to-claim-a-total-loss-from-the-insurance-company\/"},"modified":"2023-04-27T18:25:58","modified_gmt":"2023-04-27T16:25:58","slug":"how-to-claim-a-total-loss-from-the-insurance-company","status":"publish","type":"post","link":"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/","title":{"rendered":"How to claim a total loss from the insurance company?"},"content":{"rendered":"<p><span style=\"color: #000000;\"><strong>The likelihood of claiming a total loss from insurance and getting a fair deal is high if you know how to do it.<\/strong>  Therefore, in this article you will learn the essentials to recover your vehicle after an accident or, failing that, a fair compensation. Read this information carefully.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#Basic_knowledge_for_total_loss_claims\" >Basic knowledge for total loss claims<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#Variables_that_condition_your_claim\" >Variables that condition your claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#What_are_your_options_in_the_event_of_a_no-fault_total_loss\" >What are your options in the event of a no-fault total loss?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#You_demand_repair_of_the_car\" >You demand repair of the car<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#You_claim_compensation\" >You claim compensation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/cbleon-abogados.com\/en\/how-to-claim-a-total-loss-from-the-insurance-company\/#Can_I_claim_a_total_loss_from_the_insurance_company\" >Can I claim a total loss from the insurance company?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Basic_knowledge_for_total_loss_claims\"><\/span><strong><span style=\"color: #000000;\">Basic knowledge for total loss claims<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"color: #000000;\">Before making a total loss insurance claim, there are three basic concepts you should be aware of:<\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">Total loss. A <a href=\"https:\/\/www.20minutos.es\/motor\/noticia\/4595276\/0\/que-es-siniestro-total-en-los-seguros-de-coche-o-moto\/\" target=\"_blank\" rel=\"noopener\">statement from the insurer<\/a> that the car is a total loss and will cost more to repair than its value.<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Fair value. Appraisal value that fixes the price of the car below its commercial price.<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Market value. Commercial price of the car determined by actual market conditions.<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">When the insurer declares a total loss because the repairs exceed the market value of the car, the compensation is set below the market price.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Variables_that_condition_your_claim\"><\/span>\n<strong><span style=\"color: #000000;\">Variables that condition your claim<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">In order to make any claim, following an accident that caused damage to your car, you should consider the following:<\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">At-fault or no-fault (Fully comprehensive insurance)<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">If you have comprehensive insurance, it doesn&#8217;t matter if the loss is your fault; it is up to your insurer to assess the damage suffered and determine whether to cover the cost of repairing your car or to compensate you.<\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">At-fault or no-fault (third party insurance)<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">If you have third party insurance, the situation changes; if you are at fault for the accident, your insurer pays for the damage caused to the other car but not for yours. If another driver is at fault in the accident, you will have to discuss the repair of the damage or compensation with his insurance company, if he has one.<\/span><\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-34386 size-full\" src=\"https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche.jpg\" alt=\"car accident\" width=\"2000\" height=\"1333\" srcset=\"https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche.jpg 2000w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-300x200.jpg 300w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-1024x682.jpg 1024w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-768x512.jpg 768w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-1536x1024.jpg 1536w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-370x247.jpg 370w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/04\/accidente-coche-760x507.jpg 760w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"What_are_your_options_in_the_event_of_a_no-fault_total_loss\"><\/span>\n<strong><span style=\"color: #000000;\">What are your options in the event of a no-fault total loss?<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">The two possibilities you have to claim from your insurance company are broken down as follows:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"You_demand_repair_of_the_car\"><\/span>\n<strong><span style=\"color: #000000;\">You demand repair of the car<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">To begin with, you need the estimate for the repairs. And don&#8217;t just rely on the damage assessment made by the company&#8217;s appraiser; look for an independent appraiser to verify the severity of the damage suffered by your vehicle. Other convenient actions are:<\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">Research the price of the car on the market to compare it with the insurer&#8217;s appraisal.<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Pay for the repair, ask for the invoice and enter the claim for the full amount.<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Attach invoices for the car you rented while yours was being repaired.<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Situations you may face? Wait a few months for the company to refund your money; the company may claim that not all repairs were necessary or that the damage was prior to the loss.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"You_claim_compensation\"><\/span>\n<strong><span style=\"color: #000000;\">You claim compensation<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">If you wish to use the compensation to purchase another car, you will not be able to do so with a payment based on the market value of the damaged car. So, in addition to arguing with the insurer, you can:<\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">Waive the right to keep the remains of the car, to avoid the discount you will receive for this concept.<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Submit an appraisal or certification made by a professional outside the insurer.<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Anything else? Seek the <a href=\"https:\/\/www.cbleon-abogados.com\/en\/services\/tort-law-damages-and-injuries\/derecho-de-danos-2\/\">advice of<\/a> claims <a href=\"https:\/\/www.cbleon-abogados.com\/en\/services\/tort-law-damages-and-injuries\/derecho-de-danos-2\/\">lawyers<\/a> to review your insurance policy, analyze the clauses and conditions and represent you before the insurance company.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_claim_a_total_loss_from_the_insurance_company\"><\/span>\n<strong><span style=\"color: #000000;\">Can I claim a total loss from the insurance company?<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">Yes you can, and you have every right to do so if you feel that the deal proposed by the insurer does not meet your expectations. But you don&#8217;t have to do it alone; in this type of situation, the legal support of specialized professionals with experience in this type of claims is essential.<\/span><br \/>\n<span style=\"color: #000000;\">Whether you obtain an amicable settlement or take your claim to trial, experts will help you defend your rights, without creating false expectations or unfounded claims.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The likelihood of claiming a total loss from insurance and getting a fair deal is high if you know how to do it. Therefore, in this article you will learn the essentials to recover your vehicle after an accident or, failing that, a fair compensation. Read this information carefully. Basic knowledge for total loss claims Before making a total loss&hellip;<\/p>\n","protected":false},"author":5,"featured_media":34385,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[170],"tags":[],"class_list":["post-34391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts\/34391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/comments?post=34391"}],"version-history":[{"count":0,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts\/34391\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/media\/34385"}],"wp:attachment":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/media?parent=34391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/categories?post=34391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/tags?post=34391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}