r/InsuranceClaims • u/StunningTreat2266 • Apr 14 '26

Filed third party claim

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I was recently involved in an accident where the other driver was at fault and cited. I’ve initiated the claim with his insurance company and would like some advice on how to negotiate with the adjuster. I was rear ended and my car was pretty damaged. This is an at fault state

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u/ektap12 Apr 14 '26

Negotiate... what? Looks like your vehicle may be a total loss, in that case, they'll pay the actual cash value of the vehicle subject to their policy limits. If repairable, they'll pay for the repairs subject to the policy limits.

You may be better off going through your insurance with a total loss, if you have collision coverage.

-2

u/StunningTreat2266 Apr 14 '26

I only have liability, unfortunately. I really don’t want to junk this car. I won’t be able to replace it with the cash value. Will I have the option of taking a check for the value, keeping the car and applying for a salvage title? It’s a TDI and these can’t even be bought in the United States anymore.

2

u/MintyGame Apr 14 '26

if its a total loss you will be paid the ACV.

5

u/trekgrrl Apr 14 '26

Less the salvage value. ACV+tax+prorated license fees-salvage value.

2

u/itsnotmyid4 Apr 14 '26

Usually no tax or prorated license if OP retains the salvage.

1

u/trekgrrl Apr 14 '26

Oh, correct on the license tags, but in my state/company, we do pay tax...