Hello everybody, I'm looking for some advice on whether it’s worth pushing back on an insurance total loss decision.
I drive a 2023 Toyota Venza, and the ACV is around $30k. The repair estimate from a State Farm partner shop came out to about $18k, which seems pretty far below the car’s value, so I’m confused why they’re calling it a total loss. The accident itself wasn’t that severe and was concentrated on the front-side corner. Airbags didn’t deploy, and the car was still drivable afterward.
I'm from Arizona and from what I understand, insurers usually total a car when repair costs get close to a certain percentage of the vehicle’s value, so this doesn’t quite add up to me. Has anyone successfully challenged something like this? Is it worth getting a second estimate or independent appraisal, or am I missing something about how these decisions are made?
Any input or similar experiences would be really helpful. Thanks!