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.

i WANT hELP nOW

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% of the actual cash value, then the car is a total loss. The insurance company is responsible for paying you the vehicle’s market value or actual cash value.

Has your vehicle been declared a total Loss?

You want a fair value for your vehicle, but is that what the insurance company offers? 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 claim frequently utilize faulty appraisals. They certainly do not always represent your automobile’s actual cash value (ACV).

It’s vitally important that you receive a fair offer, and Collision Safety Consultants are ready to review your appraisal for free. 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 of figuring out 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, it might make sense to file a property/vehicle damage claim with your own car insurance company after an accident, even if you need to 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 own insurance company a lot 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 are consistently undervaluing consumers’ vehicles in the event of a total loss. The insurance company finds that this is 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 for 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 for you.

Total Loss Claim

What Our Clients say about us.

Janice Taylor
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Joshua at Collision Safety was very helpful in getting State Farm to pay deminished value on my car. They only ask for a down payment and they don’t ask for the remainder of their payment until you get paid from the insurance company and if they don’t get a diminished value payment for you they don’t charge you at all! Great customer service!
Don Jones
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Josh has helped me twice with in the last 8 months . The first time I had a new car for 6 days and was hit in the rear .the second time was 8 months later on the same car on a total loss and I was upside down on the car . Josh was a lot of help dealing with my insurance company and could not have done this without him . I highly recommend Joshua collision safety consultation of Okla. to everyone.
Alex Hollenkamp
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Great experience! Very professional and the response time was excellent to any questions or explanation to the process. I was very pleased with where we ended.
Nicole McCullum
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
John Iasiello
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Josh did an excellent job. He took the work out of trying to fight the insurance company. They settle for the amount that he had promised, I'm very happy.
Sasha Steelmon
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I recommend Collision Safety Consultants, without a second thought. They helped me deal with the insurance company and stayed in contact with me through out the entire time. The customer service was 5 star, and they were able to get me a settlement I would not have been able to do on my own. I will use them again if the situation occurs. Thankfully they were honest and respectful the entire time. I appreciate the awesome customer service, and recommend to anyone.
Amber Dority
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100% amazing customer service!! Josh was amazing dealing with my parents with their truck and anytime I needed to help them do things! Will very HIGHLY recommend to ANYONE needing any help!! Thank you so much Josh for EVERYTHING you did to help them out!!
Shane West
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Very good customer service and will get the job done. Thanks you for your help.
Sally Donaldson
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Josh is outstanding! He is professional, determined, and is always on top of the situation. I highly recommend him to anyone interested in pursuing a diminished value claim
Talina Holman
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Josh was very helpful and kept me completely informed during the whole process. Would (and have) recommended him to everyone I know!
Sweet Cajun
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
Sharon Doster
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I want to thank everyone at Collision Safety Consultants of Oklahoma for everything they did to help us get a settlement . And especially Joshua Dorris, he went above and beyond to help us out. He kept us informed the whole time. I highly recommend Josh Dorris. Thanks for your services, Bruce Doster
Kyle Pinkston
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Joshua Dorris is great! Everytime I had a question or email he was quick to respond. Couldn't of asked for a more respectful partner. Appreciate the help!!!
Shane Jopling
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Josh was great to work with on my property damage claim and very professional. I would highly recommend his services!
Tina Brinlee
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Josh helped me and my family get fair market value for our vehicle. My family and I really appreciate all the assistance
Kelly Kilmer
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Great experience! Appreciate all the help
Drew Guthrie
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Josh did a GREAT job for me. My insurance company was giving me the run around. Josh stepped in and put a stop to that. These guys really know what they are doing. If your insurance doesn’t wanna pay up or is playing games, give these guys a call they will get it settled for you.
Preston Ross
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Easy to communicate with and keeps you up to date on your claim regularly. No complaints at all on the service.
Mbilike Mwafulirwa
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I worked with Josh and his team recently and had an excellent experience. He was very knowledgeable about his subject area and responsive throughout from start to finish, from choosing the best repair vendor for my vehicle to navigating through my diminished value claim.
HCM Lemai
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I have great experience working with Josh to claim my car diminish value. He took care the entire process. He is very professional. Thank you!
Tina Parker
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I had a newer car when I was hit and knew that this possibly could hurt my resale value in the end. I got in touch with Josh and told him my concerns and he understood and said he would help me all he could. He went to work on it and continued to keep me informed. In the end Josh helped me to the point of feeling comfortable with the end results. Thank you Josh!!
Jorge Mejia
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Josh was great! He made the whole process easy as can be. He helped me every step of the way and always kept me in the loop. I challenged my insurance on the offer they made me for my total loss and with the help from Josh, he was able to get me an additional $5500. I never knew that your insurance could be challenged and I thought you always had to settle on their offer till meeting Josh. Josh, I really appreciate all your hard work and effort to help me out. I will, without a doubt recommend anyone that may be in my position in the future. Thank you!
Derek Brown
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Positive: Professionalism, Quality, Responsiveness, Value I would like to say that Joshua handled his business with me with excellence. From all of our phone calls, to answering all of my questions to me picking up a copy of the thorough report he prepared, he was honest, professional, friendly and willing to explain things I didn’t know about. I highly recommend him.
Ethan O'Neal
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Positive: Professionalism, Quality, Responsiveness, Value I recommend this company with the highest regards. Joshua Dorris was attentive, reassuring, helpful, and knowledgable throughout the entire process. He handled every aspect with the insurance company and was able to get me top-dollar for my depreciation after my wreck. I would recommend him and his company to anyone.
Manuel's Collision
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We trust Josh and the CSC company with all of our clients. They are trustworthy and caring when handling every situation. Great work Josh!
Riley Harpole
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Josh has been excellent in the handling of my claim. My situation was a bit out of the ordinary and he handled it with ease. He always answered my emails and calls promptly. I highly recommend him to anyone in need. Great job and thanks for all of your help!
Sweet Cajun
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
Heather VanBuskirk
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Josh answered all my questions and got prompt results. So kind and professional. Great pleasure to work with. Worth every bit of money!
Steve McNutt
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Josh has all the qualities you want when you're looking for a company to do business with. My insurance company gave us a low-ball offer on our vehicle after it was determined a total loss. Josh came in and did a more accurate appraisal of the vehicle which ended up being a huge difference. He is professional, does high-quality work with fast turnaround times, and has high integrity.
muttwooden24
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I'm so thankful I was referred to Collision Safety Consultants. Josh was helpful in explaining things to me and informing the other party with my information. I hope not to need their services again but if I do you can guarantee that I will call them first.
Pepe Mendoza
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Josh is a go getter! Josh helped me in so many ways while i was dealing with the insurance people.josh will go far and beyond,trust me he will be on your side 100%,your insurance won't. My results were way more than what i expected. Don't be a victim,hire josh and let him help you with your collision needs,repairs, or total loss $$$.thank you so much josh!
Joseph Blazek
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Josh was great kept me updated any time I had a question he was quick to reply a response. Up front and honest about pricing highly recommended
Ron Wiesner
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Josh is excellent! Highly recommend!!!
Buck Vrazel
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Mr. Dorris got me a great deal! He talked me through the process and answered all my questions. My settlement was WAY HIGHER thanks to him. I will call these guys first from now on.
Denver Swearingin
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Mr. Dorris was very friendly, communicative and professional. He was able to help me get the maximum amount owed to me by my insurance company for my totaled vehicle. I am very pleased with my experience working with Josh and I wouldn’t recommend anyone else!
Rob Flory
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Josh was extremely knowledgeable and negotiated exactly what I wanted for my totaled vehicle in the midst of an extremely volatile market. Without his knowledge and experience I would have been left with a ridiculously low payout for my F350. Josh was consistently available and worked with me and the insurance adjuster to procure the fair market value for my vehicle. I could not be more pleased with his effort, attention to detail and ability to negotiate a settlement that was more than I expected. If you are unhappy with your insurance adjuster’s offer, do yourself a favor and get Josh on it.
Pate Hubbert
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Josh helped us get a $3000 increase in the valuation of our totaled vehicle. He was kind, professional, and kept us informed every step of the way, not to mention...he was more affordable than other appraisers. We wouldn't hesitate to use him again.
Kylie Easter
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Had a pickup stolen and evaluated by my insurance. Wasn’t satisfied with the evaluation and asked Josh to help. We discussed what he could do BEFORE he was hired. There were no promises or unrealistic evaluations. He was 100% fair and honest with me and my insurance company. The process was quick and easy with minimal effort on my part. Josh handled it. He charges a FLAT FEE for his work as apposed to a percentage of the gain. Even after his fee I still earned an additional 2k over my initial total loss estimate (on a 15k pickup!!!!).
Kylie Easter
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Had a pickup stolen and evaluated by my insurance. Wasn’t satisfied with the evaluation and asked Josh to help. We discussed what he could do BEFORE he was hired. There were no promises or unrealistic evaluations. He was 100% fair and honest with me and my insurance company. The process was quick and easy with minimal effort on my part. Josh handled it. He charges a FLAT FEE for his work as apposed to a percentage of the gain. Even after his fee I still earned an additional 2k over my initial total loss estimate (on a 15k pickup!!!!). Let Josh assist you in getting a more realistic evaluation of your loss.
Russ Iden
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Josh Dorris & Collision Safety Consultants of Oklahoma are well worth the investment! Josh was able to negotiate an additional $4,000 on our behalf on a totaled vehicle with our insurance carrier. He's also knowledgeable in helping consumers understand what their rights are when it comes to settlement on an auto claim. I'd definitely recommend Josh & his company if you want to get the full value of your coverage in an accident.
Rick B
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I contacted Collision Safety Consultants about helping file a diminished value claim. I had never heard of this. Joshua responded quickly, explained the process and provided options on how to proceed. Joshua was spot on and we were successful in our claim. Thank you for the help. I would highly recommend Joshua and Collision Safety Consultants. Thanks again.
JD
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Well worth hiring. Takes the headache away from fighting insurance companies. Had retail value of my car paid within a week of hiring Collision Safety Consultants.
Kim Martin
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I was having trouble settling with my insurance company and the value of my car. My car was totalled in a hail storm and my insurance company gave me an extremely low value. I went back and forth with them showing them other cars just like mine other than I had higher mileage and if they would just use that car and deduct the mileage it would be much easier than them trying to use out of state vehicles which didn't make sense. I hired collision safety consultants and spoke with Joshua Doris out of Tulsa. He handled the negotiation with my insurance and came to a great price. Super happy with his assistance!! I have already recommended and shared his info with a friend.
Blaze Moody
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I refused to let Root Insurance bully me, and I'm so thankful I didn't! They initially offered me $38,000 for a vehichle I'd paid $43,400 for merely 10 days prior to it being totaled by a deer jumping infront of me on the Turnpike omw to work! I was livid, as I'd put down $5,000 cash and would've lost it all! However, I decided to read my policy, and learned about my right to hire a personal appraiser, so I invoked my rights. I hired Joshua Lee Dorris with Collision Safety Oklahoma, and he went straight to work for me, not putting up with any of their bs! He fought them tooth and nail to get me the most out of my settlement, and he did an absolutely amazing job! He was very communicative, very confident, and very knowledgeable! I'm now walking away with more money than I started with, which to me is deserved since Root put me through so much, and even breached their own contract! If you're ever put in the same position, and your insurance company is trying to mistreat you, I strongly recommend you give him a call! He won't disappoint you, I promise! Overall, this has been one of the most stressful situations I've been in, but it all worked out to where I'm happy. 🤗🤑💪
Dwayne Bockelmann
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Josh Doris was a very awesome guy and walked me through everything that I needed done and you got everything done in a timely manner and got me more money than what my insurance company wanted to get me I suggest to use these people if you have any problems
Travis Fleming
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Josh is very professional, responsive and efficient. My insurance company attempted to settle with me on a low price. Josh was able to get me nearly $2,000 more than the insurance company’s offer. I would highly recommend Collision safety consultants of Oklahoma.
Lovey Greer
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Josh is very professional, responsive and efficient. My insurance company attempted to settle with me on a low price. Josh was able to get me nearly $2,000 more than the insurance company’s offer. I would highly recommend Collision safety consultants of Oklahoma.
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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 provide revue 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 come to an agreement 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 salvage value of the vehicle from the total loss settlement. 

The salvage value of your vehicle is normally 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. This means no stress, no worries, and no extra work for you. We don't simply supply you with a report on your case; instead, we assist you with the necessary paperwork and negotiations towards a settlement. All you need to do is accept payment!

Higher Payout guarantee

This common practice can be challenged! You don't have to accept low-ball offers from the insurance company. We stand behind our certified appraisals and guarantee we can help you with your claim before you ever hire us. And if we can't recover a higher settlement, you won't owe us a penny.

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.

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