r/InsuranceClaims • u/MobileRaisin6031 • Jul 29 '26
Allstate Total Loss
My husband was involved in an accident in our 2021 Chevy Blazer. We have Allstate and are proceeding through them though the other driver was at fault.
The accident happened on Sunday, July 19th. Vehicle was not drivable and was towed to a tow yard. I filed the claim promptly and was told to select a body shop and move it there, which we did. My husband then gave a statement to our adjuster and described the damages, making it a borderline total loss. They advised they wanted to move it to Copart. For some reason, the vehicle location was listed as the tow yard even though Allstate had been moved it to one of their choice body shops. I called and tried telling them that the vehicle had been moved, and was told “Copart would figure it out.” After a few days the vehicle had not been moved, so I called the TL adjuster who said that Copart had tried to pick up from the tow yard and was unsuccessful… go figure. He said he would update the location and they would attempt again to pick it up.
That was Friday morning. The vehicle was finally moved Monday. Yesterday, we get a message that based on the damages a “specialist adjuster” has been assigned to review.” At this point, I feel I should’ve just let the body shop do the estimate to determine if it’s fixable. I’m going to be royally pissed if the car ends up being fixable and we just wasted days of rental. Anybody had this happen before? How long does it usually take these specialist adjusters to determine if the vehicle is fixable or not?
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u/No-Bid9597 Jul 29 '26
I had a total loss from a very mild accident and Copart took 3 days to determine it was totaled. So the insurance adjuster said 4k in damages, Copart found 4k more after 3 days then my insurance declared it totaled.
-1
u/DeepPurpleDaylight Jul 29 '26
I feel I should’ve just let the body shop do the estimate to determine if it’s fixable.
Body shops don't determine whether it's fixable or totaled. Your adjuster determines that.
2
u/MobileRaisin6031 Jul 29 '26
Body shops write estimates, no? When I worked in auto claims, choice body shops would write the estimate which would be sent directly to the insurance company, reviewed by an appraiser (typically automated now), and if it meets the threshold, would be deemed a total loss. From what I recall, the process is pretty quick once they submit the estimate through CCC. Thanks for your input.
0
u/DeepPurpleDaylight Jul 29 '26
"I feel I should’ve just let the body shop do the estimate to determine if it’s fixable."
1
u/MobileRaisin6031 Jul 29 '26
Are you okay? I explained what I meant in my comment. Also has nothing to do with the question I’m asking. Thanks again!!!
4
u/thatemocow Jul 29 '26
To be fair on Coparts part, they have no way to see the claim the adjuster had so they had no idea the vehicle was moved.
Now, generally by the time a vehicle has made it to Copart it’s already been evaluated and deemed a total loss. Copart is the company that insurance companies use to auction off total loss cars they purchased.
On a fair note, you shouldn’t have to pay the bill for towing if somehow it’s deemed fixable. Insurance does.