Total Loss claims

Gather the vehicle's registration papers and insurance policy documents.

Collect the driver's license and contact details of the insured.

Note down the date, time, and location of the incident.

Obtain a detailed description of the accident from the insured.

Record the make, model, year, and VIN (Vehicle Identification Number) of the vehicle.

Take photographs of the damaged vehicle from different angles.

Assess the pre-accident condition of the vehicle, including any previous damages.

Check the mileage on the vehicle's odometer.

Review the insurance policy to understand the coverage and deductibles.

Verify the insured's liability coverage and any additional endorsements.

Determine if the insured has rental car coverage or any other applicable benefits.

Assess if the claim falls within the policy's terms and conditions.

Gather the accident report or police report, if available.

Interview witnesses and document their statements.

Analyze any available photographs or videos of the accident scene.

Assess any potential liability issues or subrogation opportunities.

Conduct a thorough assessment of the vehicle's current market value.

Consider the mileage, age, condition, and any previous modifications.

Research comparable vehicles for sale to determine an appropriate value.

Consult with a vehicle appraiser if necessary.

Evaluate the salvage value of the vehicle if it is deemed a total loss.

Research salvage yards or auction houses for potential buyers.

Determine if the insured would like to retain the salvage vehicle.

Calculate the salvage value deduction from the total loss settlement.

Prepare a comprehensive settlement offer based on the vehicle valuation.

Explain the settlement breakdown to the insured, including any deductions.

Provide necessary forms and documents for the insured to sign.

Settle any outstanding rental car expenses or other claims related to the incident.

Arrange for the pickup or disposal of the salvage vehicle, if applicable.

Transfer the necessary paperwork and ownership documents for the salvage vehicle.

Close the claim file and update the insured's policy accordingly.

Request feedback from the insured regarding their claim experience.

Note: This checklist is a general guide and may require customization based on specific company policies and procedures.