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Consumers insured by Allstate®, Progressive®, or State Farm® and were in an auto accident and received a “total loss” payout may be able to seek both justice and additional compensation.

Consumers insured by Allstate®, Progressive®, or State Farm® and were in an auto accident and received a “total loss” payout may be able to seek both justice and additional compensation.

To qualify for additional compensation, consumers must be:

  • Involved in an auto accident;
  • Received a “total loss” payout in or after 2018; and,
  • Insured by Allstate®, Progressive®, or State Farm®.

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What does it mean to be offered a “total loss” auto insurance claim?


According to the Office of the Insurance Commissioner of Washington State: “If [a vehicle has] been in an auto accident and [the] car is ‘totaled’ (also called ‘total loss’), it means [the] car isn't repairable, or it costs more to repair than what it's worth.”

Here are some of the rules and regulations that an insurer has to choose from when determining the value of the wrecked car

  • The insurer may offer to replace the car with a comparable car in the area
  • The insurer may offer a cash settlement based on the actual cash value of comparable cars in the area–what’s commonly referred to as a “total loss payout”
  • If both parties can’t agree on the actual cash value of the damaged car, the prevalent insurance policy may have an appraisal provision in which the consumer and the insurer agree to use independent appraisers or other methods to resolve the value dispute

The insurer must add any applicable taxes, license fees and other fees required to transfer ownership of the vehicle to the actual cash value.

A “total loss valuation report” shows the comparable auto data the insurer used to calculate the vehicle’s value and is a good benchmark to make sure the amount the insurer offers is a reasonable estimate of the actual cash value.

What happens when insurance companies manipulate the “total loss” value in their favor?


Allstate®, Progressive®, and State Farm® all stand suspected of manipulating the “total loss” value in their favor–meaning they declare a wrecked vehicle as a “total loss,” then turn around and offer a cash value much less than the going rate for similar cars in the area.

This nefarious business practice means they save thousands of dollars on each accident while leaving their consumers with cash values less than the value of the vehicle they’ve been paying insurance on.

Keep in mind that a good-faith and honest claim for property damage in an auto accident in which the vehicle is reported as a “total loss” includes:

  • The fair market value for the automobile;
  • The taxes and title on a vehicle of similar value;
  • Reasonable rental fees that cover loss of use; and 
  • Personal property in the automobile destroyed by the collision

Also, the following sources can help the consumer prove property damage claims to the insurer in case of disagreement:

  • Kelly Blue Book®
  • NADA Used Car Guide®
  • Recent sales of comparable vehicles
  • Newspaper ads or Auto Trader® websites
  • Internet search for “automobile appraiser” to confirm expenses
  • Statements from a car dealer or salesman familiar with the vehicle

Also, take plenty of photographs to show the condition of the vehicle to the appraiser.

The USA Assistance Team believes that all consumers insured by Allstate®, Progressive®, or State Farm® and were in an auto accident that resulted in a “total loss” payout should get additional compensation.

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