Can you protect yourself? Yes, there are ways to defeat the above situation. You need to ask for the CCC report. This is critical. The insurance companies MUST (not optional) give it to you. They must give you the numbers they are looking at.

You can dispute this report if you believe they are not taking into account things they should be taking into account (your low mileage, for example). To learn how to dispute this report in more detail, visit http://www.auto-insurance-claim-advice.com/totaling-a-vehicle.html by the way, CCC has a monopoly in this industry, and they have been subject to class actions lawsuits for "low vehicle estimates", so watch out!

It is important to you do not forget about the original estimate of repair. If the insurance company is trying to make the value of your car so low, then ask them if they would fix it. If you can "pin" down what percentage do they use declare a vehicle total loss, then you can use a reverse math approach to argue that they need to fix the car (they will not to do that).

The only way to truly win your vehicle total loss is by having all information in front of you. Do not settle until see everything. You will be surprised how many "mistakes" or how many things they "overlook" when negotiating with you. For more tips about negotiation your vehicle total loss, click here.

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