by Eric Reamer | Oct 15, 2026 | appraisal clause, Insurance, total loss |
After a collision, you pick a repair shop you trust. The shop inspects the damage and writes a repair plan. Then your insurer replies with a shorter number and a phrase that sounds final: we pay the prevailing competitive rate. That phrase carries real weight on your...
by Eric Reamer | Oct 8, 2026 | collision repair, Insurance, total loss |
When an insurer declares your car a total loss, the offer letter shows one number. Behind that number sits a long chain of decisions, and one of the least visible is the total loss condition adjustment. This line item lowers the price of every comparable vehicle in...
by Eric Reamer | Sep 30, 2026 | Insurance, total loss, Uncategorized
When your insurer declares a car a total loss, the check it offers becomes the budget for your next vehicle. A total loss valuation report sets that number. Most owners never read it closely, and many never ask to see it. A federal class action in Colorado recently...
by Eric Reamer | Sep 23, 2026 | collision repair, Insurance
A federal jury in Oklahoma recently ordered Progressive to pay $40 million to one policyholder. Her original request was for $25,000 in underinsured motorist benefits. The verdict focused on how the insurer handled her claim while it stayed open. That makes the case...
by Eric Reamer | Sep 16, 2026 | ADAS, After The Accident, collision repair, Insurance, OEM Repair Procedures
Who decides how your vehicle gets repaired after an accident? Most drivers assume the shop fixes the car, the insurer pays for it, and everyone moves on. But ADAS calibration after an accident sits at the center of a quiet disagreement. What a vehicle’s...
by Eric Reamer | Sep 10, 2026 | After The Repair, Insurance, post-repair inspection
An insurance adjuster inspects your repaired vehicle. He finds problems. Then he refuses to tell you what those problems are. That happened to a Colorado driver whose case we cover in this week’s episode of The Airing of GRIEVEances. It’s why every vehicle...
