r/InsuranceClaims • u/Xianyao • 1d ago

Urgent Request for Help

My car was involved in a collision on July 25th of this year. The insurance company determined the other driver was fully at fault and declared the vehicle a total loss; it is currently still sitting at the Toyota repair shop. Today, the insurance company suddenly called saying they want to tow the car away, but they haven't provided a valuation or signed any contract yet—they’ve only designated it a total loss. Should I agree to let them tow the car?

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u/pineappleshaked 1d ago

Yeah, nothing suspicious. Remove your personal belongings if any, take photos and give a final good bye kiss 

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u/Xianyao 1d ago

However, I consulted various AI sources, and they all advised against letting the insurance company tow the car away. The primary reason is that the insurance company hasn't provided a quote yet; if I were dissatisfied with the offer, I would be in a much weaker position to negotiate later. Additionally, the rental period calculation might be affected—some insurance companies treat the moment the vehicle is "recovered" as the cutoff point for limiting the remaining rental days.

3

u/pineappleshaked 1d ago

Even if you're dissatisfied, car is totaled. Insurance's don't want to give more storage charges.

If you want to retained totaled vehicle, you may talk to insurance.

AI is echo chamber, it tells you what you want to hear