Put in a claim on my truck for hail damage-took it to a preferred body shop by my insurer.
They weren’t able to give me an estimate until they do a tear down but they’re certain it needs a new roof, and a new hood, PDR, and I know they’ll have to paint and blend as well.
I called the claims number to let them know what I was told and then did a follow up call a few days later to see if any sort of prelim estimate number was sent.
I was told by the first rep it had been “flagged as a possible total loss” and the second rep I talked to a few days later mentioned “due to the year make and model and damage reported this is a possible total loss”
Truck is a 2014 tundra with 102,000 miles.
My question for the experts: is this their way of hinting it’s about to be totaled? And are they inclined to keep something on that total path if it’s flagged like that initially?
“Flagged as total loss/possible total loss”
byu/Latter-Wrangler-5583 inInsurance
Posted by Latter-Wrangler-5583
1 Comment
Assuming your insurer is on the Guidewire Claims Center platform (not all but widely used, I led the training rollout for my former employer), the intake rep sets up the vehicle info which pulls in damage cause, year, make, model, mileage, and then there’s a diagram of the car to click indicating where damage occurred. With all that info, the system does an early prediction if its something like low dollar repairable or possible total loss.
For stuff like hail, it’s also common to select “damage all over” and allow that together usually spits out possible total loss in my experience
Its not the final decision but helps guide the claims handling, and I’m not shocked at this for a high mile older vehicle that got enough hail damage to warrant a new roof.