Oklahoma Total Loss Claims

Is Your Vehicle Worth More Than the Insurance Company is Offering?

You don’t have to take a loss. You’re not powerless. We recover what you’re owed after a collision.


Contact us today to see how much we may be able to recover in your total loss claim.

What is a Total Loss Vehicle

The total loss threshold in Oklahoma is 60% of the vehicle’s actual cash value (ACV)

Threshold systems account for the fact that damage is often more extensive than it appears. For instance, the threshold of 60% assumes that a car with that much damage is likely to have even more problems that won’t be visible until a mechanic starts repairing the vehicle. The Oklahoma total loss law or statute is also called a total loss threshold.

For instance, if a vehicle’s actual cash value is $10,000 and the repairs are $6,100 or 61%, the car is a total loss. The insurance company is responsible for paying you the vehicle’s market or actual cash value.

Has Your Vehicle Been Declared a Total Loss?

You want a fair value for your vehicle, but what does the insurance company offer? In many cases, the total loss offer for a car in a comprehensive loss claim is far lower than acceptable.

Insurance companies usually use one of three companies, CCCOne, Mitchell, and Audetex Solutions, to evaluate your vehicle’s actual cash value (ACV).

Unfortunately, insurance companies in total loss claims frequently utilize faulty appraisals. They do not always represent your automobile’s actual cash value (ACV).

You must receive a fair offer, and Collision Safety Consultants are ready to review your appraisal at no cost. Letting a certified appraiser review your CCCOne, Mitchell, or Audetex valuation will help determine if you received a reasonable offer on the market or the actual cash value (ACV) of your totaled vehicle.

The terms of your insurance policy will give you the right to appraisal process in a total loss claim. This right to an appraisal may also be known as the appraisal clause. It is designed to help consumers dispute disagreements on the amount of loss in a total loss claim.

If your vehicle is declared a total loss and the insurance company offers you less than the car is worth, then you can invoke your right to appraisal to recover the difference. Our certified appraiser can recover the actual cash value of your vehicle from the insurance company.

What is Actual Cash Value?

Your vehicle’s actual cash value (ACV) is its market value at the time of loss.

Usually, a vehicle’s actual cash value is determined by the sale price of the exact car (same model year, make, condition, options, etc.) in the same geographic area. Online ads and Kelley Blue Book are two ways to determine a vehicle’s ACV.

Total Loss Results

Total Loss Claim

How Much Does the Insurance Company Owe Me for My Total Loss?

You’re entitled to payment of your vehicle’s actual cash value (ACV) at the time of the accident.

In many scenarios of a total loss vehicle, filing a property/vehicle damage claim with your car insurance company might make sense after an accident, even if you must pay a deductible. If the other driver is ultimately deemed at fault for the crash, your insurance company will likely try to recover the deductible from the other driver’s insurer. In any case, you’ll almost certainly get money from your insurance company faster than you would if you wait for the other driver’s insurer to accept liability and pay you a fair settlement after you’ve filed a third-party vehicle damage claim.

If another insurance company accepts liability in Oklahoma and you file a claim through your carrier, they can not count it against your driving record. They cannot raise your rates, and you will likely get your deductible back. Furthermore, your policy will bind the insurance company to a higher standard than the at-fault insurance company. 

Total Loss Claim

Total Loss Claim

Recover Your Vehicle's Value in a Total Loss Claim.

Insurance companies consistently undervalue consumers’ vehicles in the event of a total loss. The insurance company finds this to their benefit – unlike the common belief insurance companies don’t always put your best interests first. With the appraisal clause or right to appraisal, we can recover the actual cash value of your vehicle after it has been declared a total loss.

Contact us today to see how much you could owe your vehicle in a total loss claim. Don’t worry – it is quick and easy, and we manage the process.

Total Loss Claim

What Our Clients Say About Us.

How Do I Negotiate With the Insurance Company on a Total Loss?

The best method of refuting the insurance company offers is to invoke your right to appraisal.

Invoking your Appraisal Clause or Right to Appraisal will force the insurance company to hire an independent third-party appraiser. You must then hire your appraiser to represent you, proving the amount of loss.

Collision Safety Consultants of Oklahoma can review your claim to determine if we can recover a better offer from the insurance company for your total loss free of charge.

Total Loss Claim Process

Invoking your right to appraisal

Hire a Certified appraiser

It's vital to know the actual value of your vehicle. Make sure to hire a competent, independent appraiser to calculate the value - contact us today for a free consultation.

Inform your insurer

In writing, take action by informing your insurer of your intention to invoke your right to an appraisal and let them know who you have hired.

We handle the rest

We will take care of the details for you. We'll work with your insurance company's appraiser directly to agree on the value of your vehicle.

Total Loss Claim

Can I Keep a Total Loss Vehicle?

You can always keep your totaled car, but the insurance company will deduct the vehicle’s salvage value from the total loss settlement. 

The salvage value of your vehicle is usually determined by the insurance company obtaining bids on what a salvage yard would purchase your vehicle for in its current state. 

It is important to note that when you keep a salvage value, you risk the vehicle being branded with a rebuilt or salvage title. 

Why Choose Collision Safety Consultants to Assist With Your Total Loss Claim?

We Do the Heavy Lifting for You

We are the only total loss appraisal service that handles every aspect of your claim. We don't simply supply you with a report on your case; instead, we assist you with the necessary paperwork and we stand behind our appraisal in discussions with your carrier's appraiser. All you need to do is accept payment! This means no stress, worries, or extra work for you.

Higher Payout Guarantee

You don't have to accept lowball offers from the insurance company. We can help you utilize your policy's appraisal clause provision to challenge your insurance company's offer. We stand behind our certified appraisals and guarantee we can help you with your claim. We work diligently on the front end to ensure we can provide value to your claim before you hire us.

Certified Appraisers

With over 40 years of combined experience, our certified appraisers are ICar platinum-trained physical damage assessors, ASE-certified damage analysts, and IACP-certified automotive appraisers. We have the expertise and background to deliver real results to your collision claim. We are experts on Oklahoma Total Loss statutes, and since we are Oklahoma natives, no one knows the vehicle market like us.

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