Wednesday, February 25, 2026

Under Florida law, vehicle owners must surrender the title of any car, truck, or SUV deemed a total loss within 72 hours.

"If you're dealing with an older car that's been in a minor crash, try to get an independent adjuster or auto body shop to assess the damage," said Michael Delong of the Consumer Federation of America. "Insurance companies often direct customers to their own preferred shops, which may be biased. Don't just take the insurance company's word for it."

Why is this an issue?

"A State Farm representative said that they sent our Lexus to the body shop and that the body mechanic himself was the one who determined it was a total loss. (Later) A State Farm supervisor confirmed that the agent who told us that was the party who determined it was a total loss."

The agent informed the couple that the repairs would exceed the car's value, estimating costs at over $12,000

Three months after the crash, State Farm finally agreed to an independent inspection, Haddon said. The new estimate came in at under $7,000.

So, State Farm lied. Imagine that, a for profit insurance company has employees that lie

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