Phoenix, AZ asked in Car Accidents for Arizona

Q: My car was totaled and I was not at fault. The insurance company offers me a market value payment. I need more to get a

It pays off my loan but does not provide me with enough for a new car

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1 Lawyer Answer
Tim Akpinar
Tim Akpinar
  • Personal Injury Lawyer
  • Little Neck, NY

A: An Arizona attorney could advise best, but your question remains open for four weeks. Unfortunately, this became more common with the spike in car prices during the pandemic. You could challenge the PD adjuster's figure by researching vehicle prices in the region, pointing out mileage and trim levels. Unfortunately, PD examiners only have limited leeway. If you don't want the vehicle and they take it, that could add the salvage value to your check. Salvage value could be insignificant or meaningful, depending on the vehicle. Depending on the vehicle value, you could consult with a local attorney whether it's worth litigating through them or on your own, based on what you stand to recoup IF successful. Since law firms wouldn't likely handle a PD claim without a bodily injury claim on a contingency basis (which could mean hourly fees with no guarantied outcome), it's a decision that requires some thought - based on vehicle value. Good luck

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