21st Century is part of the Farmers Insurance Group and is one of the leading insurers of motor vehicles, homes, and small businesses in the United States. They offer a wide array of insurance products and financial services, including, but not limited to the following types of insurance coverage:
- Automobile insurance
- Motorcycle insurance
- Homeowners insurance
- Flood insurance
- Renters insurance
- Personal umbrella insurance
- Boaters insurance
- Life insurance
The primary objective of all insurance companies is to turn a profit. They do so by collecting more money in monthly premiums than they payout in insured claims. Insurance companies are forced to pay fairly when it comes to vehicle damage. Auto insurers angle towards avoiding fair payment for accident related medical expenses. Like all large car insurance providers, 21st Century trains every claims adjuster they employ to utilize special tactics in order to minimize or undermine case values.
21st Century Insurance Claims Attorney
Few assumptions are more basic than the idea that when another person’s carelessness caused you harm, you are entitled to compensation. While insurance is designed as a safety net to protect you from significant financial losses, oftentimes policyholders find it difficult to recover benefits. The insurance company is likely not to make the maximum payout on your claim without the right attorney on your side.
Luckily, when the at-fault driver is insured by 21st Century, you don’t have to face the big insurance company alone. The dedicated and compassionate lawyers at FlorinIRoebig have successfully handled many lawsuits with 21st Century Insurance in the past. With office locations in Florida, Colorado, Minnesota, and Texas, our law firm has helped clients all over the U.S. win insurance disputes since 1985.
After being denied coverage by my car insurance for a Hit and Run that happened to me, I thought I was going to have to eat the cost of car repairs and medical bills. Until Florin Roebig. They took care of everything. Went WAY above and beyond in helping me to repair my car and myself. I am blown away by the help I received, and the care and attention I was shown. No question was too much, no request too trivial, and definitely no stone left unturned. Kathy was assigned to help me, and I can never say thank you enough. You guys are the best there is, the best there was, and the best there ever will be <3
Stephanie Amoruso | 3 years ago
Types Of Auto Insurance Coverage
After being hit by another driver, it is natural to wonder what types of damages are covered and how much your personal injury claim is worth. The amount 21st Century is willing to payout for your accident is largely dependent on the insured’s coverage, as well as their policy limits. The most common types of car insurance coverage are examined below:
Liability Coverage
Registered vehicle owners are required to purchase at least the minimum amount of liability coverage, as determined by state law. This type of coverage comes in two forms: bodily injury liability and property damage liability. Bodily injury liability pays for medical expenses, lost wages, and pain and suffering, as a result of the accident. Property damage liability pays for vehicle repairs or any other types of property damage that may have been caused by the crash.
Comprehensive Coverage
Comprehensive insurance is usually option in most states. This type of coverage is designed to protect your vehicle from anything other than a collision, including theft, vandalism, fallen objects, fire, and natural disasters.
Collision Coverage
Collision insurance is a type of coverage that helps pay to repair or replace your vehicle after it is damaged in a collision with another vehicle or object, such as fence or tree.
Uninsured And Underinsured Motorist Coverage
This type of insurance protection covers your medical bills and the cost to repair or replace your vehicle if you are hit by a driver who is uninsured or underinsured.
Medical Payments Coverage
Medical payments coverage is commonly referred to as MedPay and applies no matter who was the at-fault driver. MedPay is a usually an optional form of car insurance that can help pay for health care and funeral expenses after a collision.
Personal Injury Protection Coverage
Personal injury protection (PIP) is an extension of car insurance that covers medical costs and lost income. It is known as “no fault” coverage and is mandatory in some states and optional in others.
Understanding the various types of car insurance coverage is confusing for the average person, especially in the already stressful time following a wreck. At FlorinIRoebig, we know how complex auto insurance policies can be and we are here to guide you through the claims process, even if you only wish to seek out legal advice. Call us today for a free consultation and case evaluation to determine what type of coverage applies to your personal injury case.
Filing A Claim With 21st Century Insurance
Before filing a claim with 21st Century, Geico, State Farm, Zurich, or any other auto insurance companies, it is always advisable to consult with an experienced personal injury lawyer first. If your attorney advises you to report the claim directly to 21st Century Insurance, you can do so by calling the auto claims department at 1-888-244-6163. Alternatively, you can report the claim online by following this link.
Once the claim has been reported, it is forwarded to a local adjuster and you should be contacted within 48-72 hours to make a statement. At this point, 21st Century will open an investigation of your insurance claim to make a determination on liability. You will probably be required to provide information regarding the cause of the accident and the extent of your injuries. After the shock of a car wreck, it can be hard to know exactly what to say. Don’t make the mistake of waiting to call an auto accident attorney because your words can and will be used against you.
Our Featured Case Results
1
$47.4M
Personal Injury
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
2
$42M
Motor Vehicle Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
3
$9.55M
Firearm Injury
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
4
$5.25M
Hospital Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
5
$4M
Personal Injury
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
1
$4.2M
Property Damage Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
2
$2.5M
Property Damage Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
3
$1.5M
Industrial Explosion
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
4
$1.1M
Property Damage Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
1
$3.9M
Construction Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
2
$2.4M
Construction Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
3
$2.3M
Contractor Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
4
$1.5M
Construction Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
5
$1.2M
Construction Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
1
$6.8M
Race Discrimination
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
2
$4.2M
Whistleblower Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
3
$4.0M
Sexual Harassment
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
4
$3.2M
Nationality Discrimination
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
5
$2,0M
Sexual Harassment
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
1
$5.3M
Pharmaceutical Negligence
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
2
$3.2M
Product Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
3
$1.3M
Drug Company Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
4
$1.2M
Product Liability
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
1
$6.0M
Medical Malpractice
Settlement
A resolution between disputing parties about a legal case, typically reached before court action begins.
2
$5M
Orthopedic Malpractice
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
3
$3M
Gastroenterology Malpractice
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
4
$2.25M
Urology Malpractice
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
5
$1.7M
Anesthesiology Malpractice
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
1
$42M
Motor Vehicle Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
2
$15M
Motorcycle Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
3
$6.1M
Motorcycle Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
4
$2.3M
Car Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
5
$1.8M
Truck Accident
Jury Verdict
The formal finding of fact made by a jury on matters or questions submitted to the jury by a judge.
Find out if you have a case we could help you win
Tips For Maximizing Compensation In Your Car Accident Case
The moment a collision happens, you won’t know if you will end up needing to file a lawsuit against the at-fault party’s insurer, 21st Century. It is important to know that your words and actions after the car accident can essentially make or break your personal injury case. Even a small mistake could affect your ability to get full and fair compensation. These simple tips will increase your chances of a successful outcome:
Take Photos At The Scene
Use your cell phone to take pictures of the accident scene, damage to each vehicle involved, and any visible injuries you may have sustained. The best photographic evidence should be able to paint an accurate picture of exactly how the collision occurred.
Report The Accident To The Police
When you are injured in a collision, most state laws require you to contact the police. The officer who arrives at the scene will conduct an investigation and then generate a police report. This document will make it easier for your attorney to prove that the other driver was liable for the accident.
Obtain Witness Information
Witnesses can be difficult to track down after a wreck. For this reason, it is crucial to obtain as much contact information for each witness as possible. Many cases are built on the testimony of eyewitnesses, as they can provide an unbiased account of what happened. The most credible witnesses are those who are not involved in the crash or connected with either motorist.
Seek Immediate Medical Treatment
Even if your pain is non-existent or seemingly minor, it is important to seek medical treatment as soon as possible. The longer you wait to get evaluated by a medical professional, the harder it is for your attorney to prove that your injuries were caused by the accident.
Follow Your Doctor’s Advice
In addition to seeking out immediate medical attention, it is important to return for follow up visits. To build a strong car accident case, your lawyer will need to show that you are compliant with medical treatment. Insurance companies rarely compensate car accident victims who fail to follow their doctor’s instructions.
Document Your Expenses
Keep track of your medical bills and any other out of pocket expenses related to the accident. Invest in a folder and organize all of your bills and receipts in date order. Good documentation will go a long way when your attorney seeks reimbursement from the insurance company.
Stay Off Social Media
After a crash related injury, many victims feel inclined to share their experience with friends and family on social media. However, it is important to be aware that posting photos or comments can jeopardize your chances of getting a fair settlement.
We Are Nationally Awarded Lawyers
Like many other insurance companies, 21st Century has earned a reputation for not paying accident victims fairly. The adjuster may use bad faith insurance tactics to pressure you into accepting less than you deserve. If you truly want to protect your rights, your first call should be to a qualified, top-rated personal injury lawyer who can help you begin the process of filing an accident claim and guide you through every step of the way until a just settlement is reached.
Despite the challenging times amid the COVID-19 pandemic, our law firm is open and serving the needs of existing and new clients. We have the resources to fight against the largest insurance companies and the determination to hold them accountable. Call us today for a free consultation at 800-226-6581.
FAQs
Who decides the dollar value of the damages of a crash? ›
When negotiating a claim, the at-fault party's insurance adjuster will determine the sum of all medical expenses resulting from the accident, which are known as medical special damages, or special damages.
How to calculate insurance claim settlement? ›The general formula most insurers use to measure settlement worth is the following: (Special damages x multiplier reflecting general damages) + lost wages = settlement amount.
What happens if the at fault party doesn t have enough insurance to pay a claim in California? ›You can be sued for the damages you caused that went beyond the coverage limits and can be forced to pay by the court, which could mean having future earnings garnished and personal property auctioned off to pay for the damage.
Can you sue for more than insurance limits California? ›Suing the At-Fault Driver Personally
If your claim exceeds policy limits, you may seek to ultimately sue the driver at fault for additional damages not covered by the policy limits.
- Medical bills.
- Medical records, including your treatment records.
- Pictures of your injuries.
- Psychiatric records.
- The time you missed from work.
- Your mental state.
Minor injuries: their medical expenses are usually multiplied by 1.5 to 3. Medium injuries: the sum of medical bills is multiplied by 3 to 4. Severe or permanent injuries: the total amount of medical expenses can be multiplied by 5 or more.
How much are most car accident settlements? ›The average car accident settlement could vary depending on the facts and circumstances of each individual case. Recent U.S. data show that a large number of car accident cases settle for between $14,000 and $28,000 with the average amount around $21,000.
How do insurance companies decide payout? ›A car insurance payout is determined by the value of the vehicle you were driving before the accident that wrecked it. A standard insurance policy does not pay you the cost of an equivalent new model. Nor does it guarantee a payment equal to the amount you may still owe on the car.
Which of the following indicates the maximum amount the insurer will pay for one person's injuries? ›Coverage Limits
Limits of coverage are usually expressed as three numbers (for example, $50,000/$100,000/$25,000 or sometimes expressed as 50/100/25). The first number indicates the most the insurer will pay for bodily injury to any one person in an accident.
Personal injury protection, also known as PIP coverage or no-fault insurance, covers medical expenses regardless of who's at fault. It can often include lost wages, too.
Why might an insurance company not pay a claim? ›
Insurance claims are often denied if there is a dispute as to fault or liability. Companies will only agree to pay you if there's clear evidence to show that their policyholder is to blame for your injuries. If there is any indication that their policyholder isn't responsible the insurer will deny your claim.
What if my medical bills are more than my settlement in California? ›The Patient Is Ultimately Responsible if the Bills Exceed
If your medical bills exceed the settlement you've negotiated after an auto-accident, unfortunately, you're on your own. The injured is responsible for the bills that exceed the amount fixed in the negotiation process.
California medical malpractice damage cap
California doesn't have damage caps on compensatory damages for personal injury lawsuits, except for medical malpractice cases. California medical malpractice cases have a $250,000 cap on pain and suffering and other non-economic damages.
Generally, you can only sue for up to $10,000 in small claims court (or up to $5,000 if you're a business). You can ask a lawyer for advice before you go to court, but you can't have one with you in court.
What injuries are hard to prove? ›Some injuries can change a person's life, but are incredibly difficult to diagnose and treat. This is often the case when it comes to injuries such as whiplash, nerve damage, sprains, strains, mild traumatic brain injuries (TBIs) and concussions.
What is soft tissue injury in a car accident? ›What is a soft tissue injury in a car accident? Soft tissue injuries include sprains, strains, bruises, and whiplash. Whiplash is one of the most common examples of the type of soft-tissue injury that you might sustain in a car accident. If someone else caused the accident, you might have a personal injury claim.
What type of compensatory damages will pay for pain and suffering? ›There are two separate types of compensatory damages: “general damages” and “special damages.” General damages are the non-economic damages, commonly referred to as pain and suffering.
What are the damages for pain and suffering? ›Damages for personal injury cases related to pain and suffering specifically include compensation for essentially having to “go through” the physical and/or emotional pain and suffering that you otherwise would never have to go through if this injury accident never occurred.
What is the price rule for injury? ›Protection, Rest, Ice, Compression and Elevation, or P.R.I.C.E., adds the concept of “protection” to the traditional R.I.C.E. protocol formula. Protecting the injured area from further damage is crucial to the healing process. Experts recommended acute injury patients use P.R.I.C.E.
What are special damages in personal injury? ›In most personal injury cases, the claim for special damages covers prescription charges, travel to appointments and some loss of wages. If it can be proved that your injury left you unable to work, and you lost earnings as a result, the special damages you will get include lost earnings.
How long do most car accident settlements take? ›
In some cases, a settlement may be reached relatively quickly, within a matter of weeks or a few months. However, in more complex cases where there are disputes over liability, damages, or insurance coverage, it can take several months or even years to reach a fair settlement.
What is the most money awarded in a lawsuit? ›1998 – The Tobacco Master Settlement Agreement - $206 Billion. The Tobacco Master Settlement Agreement was entered in November 1998 and is still the largest lawsuit settlement in history.
How do I negotiate a higher insurance payout? ›- Come well-prepared with supporting evidence. Records and documentation are critical components of the process. ...
- Calculate a full settlement amount. ...
- Know your bottom line. ...
- Beware of the first offer. ...
- Get the settlement offer in writing. ...
- Read the fine print.
Unless the insurance representative has a solid reason not to pay the claim, you can almost always expect a settlement offer after filing a claim with an insurance company.
Do insurance companies have a maximum payout? ›Insurance companies place limits on the benefits that individuals can receive from their plans. This means the insurance company sets a cap on what it will pay for covered services. Generally, these limits are classified as annual maximum benefit and lifetime maximum benefit.
What are the final stages of settlement? ›After a case is settled, meaning that the case did not go to trial, the attorneys receive the settlement funds, prepare a final closing statement, and give the money to their clients. Once the attorney gets the settlement check, the clients will also receive their balance check.
What is a good claim settlement ratio? ›The individual death claim settlement ratio of the life insurance industry increased to 98.64 per cent in 2021-22 from 98.39 per cent in the previous year, as per Irdai's report. Max Life Insurance has the highest claim settlement ratio in terms of the number of claims with 99.34 per cent for the year 2021-22.
What are the three settlement options? ›The three loss settlement options are actual cash value, replacement cost, and agreed value.
What is best amount for bodily injury liability? ›Financial experts recommend that you carry at least $100,000 in bodily injury liability coverage for one injured person and $300,000 to pay the expenses of multiple victims in an accident.
What does is mean if the coverage limits are $250000 /$ 500000? ›In an auto insurance policy, if coverage limits are $250,000/$500,000, you're covered for bodily injury liability up to $250,000 per person and $500,000 per accident. This is also known as premium protection and is generally the maximum amount people can purchase for personal auto insurance.
What is per person limit? ›
The per-person limit applies to each person injured in an accident. For example, say your per-person limit is $50,000. That means if one person is injured in a car accident, the most your bodily injury liability would pay for all of their medical expenses is $50,000.
What is insurance negligence? ›In insurance, negligence is the failure to take reasonable action to prevent damage or harm to either a person or property. Get a quote.
How does insurance work when its not your fault? ›Your insurance company will pay for your damages, minus your deductible. Don't worry — if the claim is settled and it's determined you weren't at fault for the accident, you'll get your deductible back. The involved insurance companies determine who's at fault.
What type of insurance covers negligence? ›Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more. Claims covered by a professional liability policy can include damages caused by things you did and/or things that you should have done.
How often do insurance companies deny claims? ›Fortunately for the majority of Americans, most insurance claims get approved. According to the American Academy of Family Physicians, the health insurance industry averages a 5% to 10% denial rate. So 90 to 95% of claims get approved every year.
Are insurance companies denying more claims? ›One insurer denied 49% of claims in 2021; another's turndowns hit an astonishing 80% in 2020. Despite the potentially dire impact that denials have on patients' health or finances, data shows that people appeal only once in every 500 cases.
What's one of the most common reasons for a claim being rejected by an insurance company? ›- The claim has missing or incorrect information. Whether by accident or intentionally, medical billing and coding errors are common reasons that claims are rejected or denied. ...
- The claim was not filed in a timely manner. ...
- Failure to respond to communication. ...
- Policy cancelled for lack of premium payment.
California Civil Code 3040 limits the amount of money health insurance companies can recover from your award. The amount they can take back is either the actual cost of medical services they paid for or a certain percentage of the settlement amount based on varying factors, whichever is less.
Are medical bills paid by a settlement tax deductible? ›The exact wording from the IRS website is as follows: If you receive a settlement for personal physical injuries or physical sickness, you must include in income that portion of the settlement that is for medical expenses you deducted in any prior year(s) to the extent the deduction(s) provided a tax benefit.
How much can you sue for pain and suffering in California? ›You can recover up to $250,000 in pain and suffering, or any non-economic damages.
How do you calculate emotional pain and suffering? ›
The multiplier formula is the total cost of your medical bills multiplied by the multiplier, which sets the monetary amount that equates to your pain and suffering. For example, if your medical bills total $10,000 and your multiplier is 4, your pain and suffering damages would total $40,000.
How much can I sue for emotional distress in California? ›Are There Limits to How Much I Can Receive for Emotional Distress? Some states have caps on how much financial recovery you can receive. In California, there are no damage caps for personal injury cases. Therefore, you're entitled to receive fair compensation for your case, no matter the amount.
What is an example of emotional distress? ›Emotional Distress Examples
Emotional distress refers to the victim's emotional response to the accident and/or injuries, such as fear, sadness, anxiety, depression or grief. Several emotional, mental and psychological damages can fall under the category of emotional distress during an injury claim.
Most California Personal Injury Lawyers set their contingency fees at approximately 33 percent (or a third of the total settlement awarded). However, this percentage can change depending on who you talk to and what your agreements are.
What is the cap on compensatory damages in California? ›California Damage Caps
Put simply, there are no limits to the compensatory damages a plaintiff can seek in a California personal injury case. The exception to this rule lies with medical malpractice suits. There is a limit of $250,000 on pain and suffering and other non-economic damages.
The Department of the Treasury is the lead agency setting U.S. international economic policy, including policies regarding the dollar. The value of the dollar is determined in foreign exchange markets, and neither the U.S. Treasury nor the Federal Reserve targets a level for the exchange rate.
What determines the value of dollar? ›There are a variety of factors that cause the U.S. dollar to rise, but the primary factor that it boils down to is demand for the dollar. If the demand for the dollar increases then so does its value.
Who determines currency value? ›Floating rates are determined by the market forces of supply and demand. How much demand there is in relation to the supply of a currency will determine that currency's value in relation to another currency.
How do insurance companies determine the value of a wrecked car? ›The insurer will use the actual cash value of your car immediately before the damage to decide whether to declare your vehicle a total loss. You can estimate your car's fair market value from tools like Kelley Blue Book or by checking to see what similar cars are selling for in your area.
What should I own if a dollar crashes? ›Gold, Silver, and Other Precious Metals
When there is a political or economic disaster, precious metals are traditionally considered a safe haven asset. And there is a reason for that. Precious metals can't be printed like paper money, which makes them a good hedge against economic collapse.
What money is worth the most? ›
Kuwaiti Dinar (KWD)
The Kuwaiti dinar is the strongest currency in the world, with 1 dinar buying 3.26 dollars (or, put another way, $1 equals 0.31 Kuwaiti dinar). Kuwait is located on the Persian Gulf between Saudi Arabia and Iraq, and the country earns much of its wealth as a leading global exporter of oil.
Because money is expressed in units of a currency, money acts as a measure of value that enables people to compare the value of different goods and services. For example, assume admission to a movie is $10, and a latte at Starbucks is $5. The theater would say the cost of admission is $10, not two Starbucks® lattes.
What is the safest currency? ›What is the safest currency in the world? The Swiss franc (CHF) is generally considered to be the safest currency in the world and many investors consider it to be a safe-haven asset. This is due to the neutrality of the Swiss nation, along with its strong monetary policies and low debt levels.
What makes a $1 dollar bill valuable? ›Low or High Serial Numbers: Those below 1000 or 100, for example 00000100, can sell for $300. In the case of highs it would be 99999900, or something similar. Of course, there are exceptions: A serial number 00000001 could be worth up to $15,000.
What is the dollar forecast for 2023? ›USD/JPY is expected to hit 135 in March 2023, before trading at 133 in June 2023, 130 in September 2023 and 128 in December 2023.
What is the lowest currency in the world? ›Iranian Rial (IRR) 1 INR = 516 IRR
The Iranian rial tops the list of the cheapest currencies in the world. The fall in the value of the currency can be explained by various factors. To begin with, the termination of the Islamic Revolution in 1979 was followed by foreign investors' withdrawal from the country.
They're creating their own global currency called BRICS; an acronym for Brazil, Russia, India, China, and South Africa, and for more than a dozen other countries that have already signed on.
What's the meaning of fiat money? ›A fiat money is a type of currency that is declared legal tender by a government but has no intrinsic or fixed value and is not backed by any tangible asset, such as gold or silver.
What not to say to insurance adjuster? ›- Never Admit Fault. ...
- Don't Answer Questions About the Incident. ...
- Don't Give Information about Your Physical or Emotional Condition. ...
- Don't Accept the Initial Settlement Offer. ...
- Contact a Florida Car Accident Attorney Today.
A car is considered a total loss in California when the vehicle's actual cash value is equal to or less than the cost of repairs plus the salvage value. Actual cash value refers to how much the car was worth immediately before the damage, while the salvage value is the car's worth in its damaged state.
What is total loss formula? ›
This is a controversial topic which will be handled in a different blog post. The Total Loss Formula (TLF) in California is: Cost of Repairs + Salvage Value ≥ Actual Cash Value. If the sum of the first two amounts are greater than the ACV, the auto is a total loss.