Beaufort, SC asked in Car Accidents for South Carolina

Q: My car was total loss, the insurance company is deducting my deductible out of my settlement check, what can I do

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2 Lawyer Answers
T. Augustus Claus
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A: In South Carolina, it is standard practice for insurance companies to deduct the deductible amount from a settlement check when a car is deemed a total loss. The deductible is the amount you agreed to pay out of pocket in the event of a claim, and it is subtracted from the total settlement amount before it is paid to you.

If you believe there is an error in the calculation of the settlement or deductible, you can contact your insurance company and ask for a detailed explanation of the deductions. Ensure that the deductible they are deducting is correct and matches the terms of your insurance policy.

Tim Akpinar agrees with this answer

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

A: It's normal for deductible to be applied. You could look into salvage value - if carrier keeps car, that could sometimes increase a settlement figure. Good luck

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