Originally Posted By: Leo99
They do a repair estimate. They compare the estimate against the value of the vehicle. If the estimate is above a certain % of the value of the vehicle, they will declare a total loss. Each insurance company has their own %. Also, electrical, flood, or structural damage may bias them towards declaring a total loss. Short of slipping the adjuster a Benjamin, I don't know what you can do to influence them. The driver is smart. He knows when to be silent.
This-the owner has no control over how the insurance will choose to handle it. As I said recently on another thread-I have seen FULL FRAME REPLACEMENTS on pickups in an accident with insurance claims. Ansd while that's not cheap-it's probably cheaper than replacing a $70,000.00 pickup truck.