We can help you get the fairest insurance payout possible when your car is totaled after an accident, risk free. Michigan Auto Law knows how frustrating a total loss car claim can be when you get an offer for your vehicle that is less than fair and then feel like there is nothing you can do about it. Now you can
We have teamed up with a true specialist to advocate for you – risk-free – when the insurance company is making a low-ball offer on your claim.
Meet Scott Watson . . . a certified automobile appraiser and independent public adjuster who can help you get substantially more money for your vehicle if it is declared a complete loss.
“Let Scott Watson and Claims-Plus help you get full value on your insurance claim if your vehcile is deemed damaged beyond repair after a crash.”
Scott is the owner and Chief Auto Claims Negotiator of ClaimsPlus, which is headquartered in Clawson, Michigan. He brings his 9 years of expertise and experience helping more than 1,300 people get more money for their vehicle damage. Best of all . . . there is no risk and no cost to you. Scott only gets paid on the amount that he can recover that is OVER the insurance payout amount that your insurance company is already offering. If that initial offer turns out to be fair, you pay nothing and Scott collects nothing for his time and his work on your behalf. Think of it as a free, second opinion without any risk to you. Call Scott today at (800) 968-1001 or fill out the form to schedule a consultation.
What deems a car a total loss in Michigan?
In Michigan, a car is deemed a total loss when the cost to repair it, plus its salvage value, meets or exceeds a set percentage of the vehicle’s actual cash value before the crash. That threshold is generally 75%, meaning insurers will total the vehicle instead of paying for repairs. (MCL 257.217c(2)(a)(ii) and (2)(b)(i))
Once a vehicle is classified this way, the insurance company typically offers a settlement based on the car’s actual cash value minus any deductible. The insurer usually takes possession of the vehicle, though in some cases you may keep it for a reduced payout, which can result in a salvage or scrap title and limit future use or resale.
What happens when your car is a total loss in Michigan?
In Michigan, if your car happens to be deemed a total loss, it means repair costs meet or exceed a set percentage of its pre-accident value. Your insurer usually pays the car’s actual cash value minus any deductible and may keep the vehicle or let you retain it for less, subject to salvage or scrap title limits.
If you disagree with the insurance company’s valuation, you have the right to challenge the insurer’s determination that the vehicle is a constructive total or dispute the amount offered by submitting comparable vehicle listings, repair estimates, or proof of your vehicles’s pre-crash condition.Title status and payout details can significantly affect your options.
When the insurance company offers less than your vehicle is worth in you Michigan total loss car claim
Scott’s mission is to make sure you receive the full, fair market value for your total loss car claim in Michigan. Scott and ClaimsPlus have extensive experience successfully adding thousands of dollars for people when the insurance companies’ appraisal is less than what your vehicle is worth.
How do I know if the insurance company’s appraisal is too low?
Scott and ClaimsPlus will help you understand if your insurer’s appraisal is lower than the full, fair market value of your totaled vehicle. They start by scrutinizing your insurance company’s appraisal/valuation report for accuracy to make sure none of the essential factors have been overlooked or omitted.
The factors that Scott will look at in evaluating your insurer’s appraisal for you Michigan total loss car claim include: (1) the make, model and year of your vehicle; (2) the odometer reading; (3) the trim level; (4) optional equipment on your vehicle; (5) an assessment of the vehicle’s condition; (6) identifying “comps” or valuations for vehicles that are comparable to yours; (7) adjustments for condition and mileage; (8) any recent repairs or upgrades to your vehicle; and (9) the tax amount.
How to get more for your insurance settlement
When your vehicle damage after a crash is so severe that the insurance company determines your vehicle is damaged beyond repair, Scott knows how to get the insurance company to include reimbursement for sales tax, title fees, and registration and license expenses in the final payout for your insurance settlement.
How much does it cost to hire Scott Watson and Claims-Plus for your Michigan total loss car claim?
You only pay Scott if he is able to get you a settlement on your claim that EXCEEDS your insurer’s original insurance payout settlement offer. And Scott’s fee is only 33% of this excess amount. This makes working with Scott a risk-free win for people who are not getting a fair offer from their own insurance company but who before now had nowhere to go. Let Scott Watson and Claims-Plus negotiate a better insurance settlement and vehicle damage settlement for you now. Call Scott today at (800) 968-1001.