My insurance is totaling out my car, but the amount offered won't get me a similar vehicle. What can I do?

My insurance is totaling out my car, but the amount offered won't get me a similar vehicle. What can I do?

If your car is totaled out by your insurance and the sum offered isn't enough to replace it with a similar year and model, first check local newspapers and eBay for similar vehicles. If you can show that similar models are fetching more money, your insurance may do an amended appraisal and offer you more money.

Alternatively, a little known section of the California Insurance regulations, provides that if the insured cannot buy a similar make and model car for the amount offered by his or her insurance, he can demand that the insurer replace the car with a similar make and model.

I'm Ed Smith, a personal injury lawyer in Sacramento and I can help you with the above situation or any personal injury matter.

Call me anytime at 916.921.6400 in Sacramento.
Client Reviews
Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed! Alex & Dinah M.
★★★★★
Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation. Beverly
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Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything. Annie T.
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Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime. Jeremy M.
★★★★★
I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone. Shannon D.
★★★★★
Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury. David M.
★★★★★