Even before the initial shock of being in a NC car accident has faded you will begin getting phone calls, letters and visits from insurance adjusters regarding your car. Unfortunately, at a time when people should be taking care of their health they are placed in a position to make decisions about their car which can cost them thousands of dollars. It is not a coincidence that the insurance company tries to speak with people injured by their insured’s negligence after a car accident within 48 hours. This is the time period when people are hurting and most vulnerable. Our Charlotte personal injury lawyers routinely field questions regarding offers made by insurance companies about their cars.
What determines if my car is a total loss?
In NC a vehicle is deemed a total loss if it is damaged 75% of the actual cash value (ACV) of the vehicle. This means that if the car is worth $10,000.00 and it will take $7,501.00 to fix it, it is deemed a total loss. As such, the issue typically boils down to determining the ACV of the vehicle and the cost of repair. In many situations our Charlotte personal injury attorneys have been successful in convincing an adjuster to total out a vehicle below 75%. For a more detailed article on NC property damage please see our article NC Property Damage Law. Our personal injury lawyers handle our client’s property damage claims at no additional charge to the client. This ensures the claim is handled properly and gets our clients back on the road to go to work or their doctor’s visits.
Call (704) 714-1450 to make an appointment to speak with a personal injury attorney in Charlotte, or stop by the office during regular business hours. We understand that the last thing you need to do at this time is miss a doctor’s appointment or more time from work. We will schedule an appointment that meets your needs.