Car Valuation Experts for Insurers & Attorneys

A vehicle is considered a total loss if the vehicle cannot safely be repaired, the cost to repair exceeds the state’s threshold, or the cost to repair the vehicle, along with associated costs such as rental, towing, and storage, equals or exceeds the value of the vehicle at the time of the loss.

A market search will look at comparable vehicles in your local market area and what those vehicles are selling for. It also takes into consideration your vehicle’s condition, mileage, options and any prior damage. A copy of this evaluation will be provided along with your settlement letter.

Once your vehicle has been inspected, a total loss adjuster will contact you to go over the value of the vehicle and the total loss process. If your vehicle has not already been moved to the salvage yard, we will need you to clean out all your personal belongings, including any paperwork, and advise your adjuster that the vehicle is ready to be picked up. In some states, you may also need to remove your license plate(s). If your vehicle is located at a tow yard or body shop, be sure to advise them that American Standard Insurance Company of Ohio has permission to pick up your vehicle.

If you are insured with American Standard Insurance Company of Ohio, your vehicle being deemed a total loss will not automatically remove the vehicle from the policy. You can contact policy services at 1-800-MY AMFAM (1-800-692-6326) or visit AmFam.com at your earliest convenience to replace the vehicle on your policy. You can also make changes to your policy utilizing American Standard Insurance Company of Ohio’s Mobile App.

If you are currently making payments on your vehicle, we will need to obtain the name, phone number, and account number for the lienholder where you make your payments. In states where the lienholder keeps the title, a power of attorney form will be sent to you to complete and return for the title transfer process. If you have the title to your vehicle, the vehicle title will be required to resolve your total loss.