I have come across quite a few total losses lately that are simply wrong. I would like to tell you that the values are wrong or that there is a dispute. But the last few that I have seen are wrong.
What do I mean by wrong? Let's say you have a Honda Accord. If the adjuster listed it as a Honda Civic, the total loss evaluation would be wrong. What if you had a Dodge Challenger and the adjuster put down a Ford Escort? That would be wrong as well.
These may seem like extreme examples. But, I have had quite a few similar examples recently. For example, my client had an Acura Integra Type R. The insurance adjuster evaluated it as an Acura Integra. Now, this isn't a trim line issue. For those of you who do not know what that means, trim lines are usually things like EX, LX, etc... after the type of car. Ford likes to use Limited, Eddie Bauer and other names.
But, with respect to the Integra, the regular Integra is a good car. The Type R is an even better car with significant upgrades in engine, steering, brakes and a few other bells and whistles. The Type R was also made in limited production.
When you get your total loss evaluation, make sure you review it closely so you can confirm that they are evaluating the right car with the right equipment on it!