Inisiua ta'avale Aofa'i Fa'atatauga Maualalo: Su'etusi o Lipoti a le CCC Tasi, Fa'atatauina o le Fuaiupu Fa'atatau, ma le Puleaina o Fa'aletonu o le GAP.¶

O le mauaina o se telefoni po'o se imeli mai se tagata fai inisiua ta'avale e ta'u atu ai lau ta'avale o le "Total Loss" ma le ofoina atu o se siaki tupe e $3,000 i le $8,000 i lalo ifo o le tau e fa'atau ai se ta'avale tutusa i luga o le faleoloa, po'o le faitau afe o tala e itiiti ifo nai lo le paleni o le totogi o lau nogatupe ta'avale, o se fa'alavelave fa'afuase'i tau tupe. E seasea va'ava'ai kamupani inisiua ta'avale tetele i ta'iala tau fa'atau e pei o Kelley Blue Book (KBB) Fa'atau oloa pe a fa'atatauina le Actual Cash Value (ACV) a lau ta'avale. Nai lo lena, e sili atu i le 90 pasene o kamupani inisiua a Amerika e faʻatupuina tupe totogi atoa e faʻaaoga ai polokalama faakomepiuta lona tolu, aemaise lava CCC Intelligent Solutions (CCC One Market Valuation Report), Mitchell WorkCenter Aofa'i gau (J.D. Power), poʻo Audatex (Autosource), o lo'o fa'aitiitia ai tupe totogi e ala i le opaque "Fesuia'iga Tulaga," "Fetuuna'iga Fa'ata'ita'i Fa'atau," fa'ate'aina afifi falegaosimea, ma lafoga fa'atau a le setete e le'i maua mai. Afai o lo'o e feagai ma se fa'ato'a to'ilalo o le polo i le mae'a ai o se fa'alavelave, lologa, po'o le gaoi, taofi lou lotoifale numera fa'afuase'i avanoa mo fesoasoani vave i tafatafa o le auala ma loia, ma feutagai ma le matou fa'afitia tagi o inisiua ta'avale ma ta'iala ta'avale e le'i inisiua, matou ta'iala mo le toe maua o le ta'avale ma le toe fa'aleleia o ta'avale, ma a tatou auto nogatupe yo-yo financing puipuiga taiala.

E tusa ai ma faʻamaumauga a le vasega-action litigation, setete Matagaluega o Inisiua (DOI) su'ega fa'atautaia maketi, ma le National Association of Insurance Commissioners (NAIC Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'atonu Meatotino/Tu'uaiga Fa'asalaga Fa'ata'ita'iga), o le fa'atusa upu a le tagata fetu'una'i upusii i luga o le telefoni muamua atoa-to'ilalo o se ofo amata, ae le o se fa'atonuga fa'aletulafono. E ala i le mana'omia o le 15-i-25-itulau atoa CCC One po'o Mitchell Valuation Report, su'etusi ta'avale tutusa uma (comp) ma le toesega o tulaga le lelei, e mana'omia ai le setete fa'atulafonoina ** Lafoga Fa'atau, Suafa, ma Totogi Fa'asilasilaga**, ma fa'atalosagaina le fa'atulafonoina o lau pepa fa'apolokalame ** Aia Tatau mo le Fa'avasegaina o Fuaiupu**, e masani ona fa'atuputeleina e le au fai pepa fa'atulafonoina a latou fa'amautu atoa o tupe leiloa i le $2,500 i le $7,500+ a'o puipuia le fa'aleagaina ** Puipuiga o Aseta Fa'amaonia (GAP)** mailei faaletonu o nonogatupe.

Fai nei loa¶

1. ** AUA LE saini le "Power of Attorney for Title Transfer," tatala le igoa o lau taavale, pe talia se uaea faaiʻu seiloga e te suʻesuʻeina le lipoti atoa o le Faʻatatauga o laina taʻitasi.** Pe a valaʻau mai se fetuutuunaʻi e fai mai "Ua atoa lau taʻavale ma le totogi e $16,400," aua neʻi ioe pe saini le pepa faʻaeletonika faʻasalalau igoa. Faʻamatalaga tusitusia: "Faamolemole imeli mai ia te aʻu le 15-i-25-itulau CCC One poʻo le Mitchell Market Valuation Report, e aofia ai VIN uma faʻatusatusa taavale ma matrices fetuunaiga, ina ia mafai ona ou suʻeina le tau aʻo leʻi tatalaina le igoa."
2. ** Fa'asa'oloto le ta'avale mai se lotoa toso maualuga i le fanua fa'asao a le tagata fai inisiua e leai se mea e teu ai (Copart pe IAA) AE LE'I saini ese lau aiā tatau o fe'ese'esea'iga.** E masani ona fa'amalosia oe e le au inisiua e ala i le fa'apea mai o le a latou taofi le totogiina o pili o le teuina o le fanua i aso uma pe a uma le Aso Faraile. Fa'ato'ilaloina lenei omiga vave: fa'ataga le tagata fetu'una'i e fa'anofo le ta'avale malepelepe mai le toso toso tuto'atasi i le fale fa'asao fua a le fai inisiua (Copart pe IAA) e faʻaitiitia le tau o le teuina, aʻo faʻatonuina le tagata fetuutuunai i se tusitusiga: "Ua tuʻuina atu le taʻavale mo le siakiina o le teuina-naʻo; aua neʻi faʻafeiloaʻi le igoa poʻo le faʻatau atu o le taʻavale seia oʻo ina faʻamalieina le Tau Tupe Moni."
3. Su'esu'e le lipoti a le CCC One po'o le Mitchell mo le 4 fa'aletonu masani i lalo o le iloiloga o le komepiuta. Siaki: (a) le VIN Trim & Factory Options list (lea e masani ona misia le $1,500 i le $4,000 OEM packages e pei o adaptive cruise control, panoramic sunroofs, po o tow packages), (b) fetuutuunai mea leaga i totonu **"**Tulaga i lalo. "Fa'atauga", © le "Fua'i Fuafuaga Fa'atau" (o se toesega fa'apitoa e 5% i le 9% o lo'o fa'atatau i le fa'atau fesili tau), ma (d) "Ta'avale Fa'atusa" na filifilia e tu i le 200 kilomita (124 maila) le mamao i maketi taugofie po'o tala fa'asolopito muamua.
4. Faamaonia lena setete Lafoga Fa'atau (6% to 10%+), Totogi Suafa, ma Totogi Fa'amauina e fa'aopoopo i luga o le Actual Cash Value. I luga atu o le 35 US states, tulafono fa'ainisiua e mana'omia ai le inisiua e toe totogi oe mo le Setete ma Fa'apitonu'u Fa'atau Lafoga, Title Fee, ma Registration/Tag Fee e mana'omia e fa'atau ai se ta'avale fa'atusa. I luga o le \(25,000 ta'avale i totonu o le 8% fa'atulafonoina lafoga fa'atau, o le misia o le fa'atauga fa'atau laina mea e te tau ai **\)2,000**.
5. ** Talosagaina le fa'atulafonoina o lau pepa fa'avae "Aia Tatau e Fa'atatauina Fuaiupu" pe a fai o lau tagi a le vaega muamua (Collision pe Comprehensive) ma le fetuutuuna'i e musu e fa'afo'i.** Toeitiiti lava o faiga fa'avae ta'avale ta'itasi uma o lo'o iai se fa'atonuga ** Fuaiupu Fa'atatau**. A e lafoina se tusi tusitusi e faʻatatauina le Fuaiupu Faʻatatau, e aveese le tagi mai le fetuutuunai: e te faʻafaigaluegaina se tagata suʻesuʻe taʻavale tutoʻatasi ($350 i le $550 totogi faʻapitoa), faʻauluina e le tagata fai inisiua se suʻega, ma malilie le au suʻesuʻe e toʻalua i se Tau Tupe Moni (pe tuʻuina atu le avanoa i se ** Umpire **).
6. Fa'aauau le totogiina o lau nogatupe ta'avale ta'i masina ile taimi I masina ta'itasi a'o tālia le siaki tupe atoa ma le inisiua a le GAP. O le ta'avale atoa e LE'I taofi lau konekarate nogatupe ta'avale. E tusa lava pe a uma ona lafo e le kamupani inisiua muamua se siaki i lau tagata fai aitalafu, e mana'omia le 30 i le 60 aso mo GAP Insurance e su'e ai ma totogi le paleni o nonogatupe i lalo ole vai. O le taofi o le totogiina o lau ta'avale ta'i masina i lena fa'amalama e mafua ai le 30-Aso ma le 60-Aso Toe Totogi i au lipoti fa'aletupe, ma fa'aitiitia ai lau togi FICO i le 80 i le 110 points.

La'au fa'ai'uga: Lu'iina se fa'atusatusaga o tupe maua atoa ma le fa'atonutonuina o fa'aletonu o le GAP¶

Fa'aoga lea la'asaga i lea la'asaga galue i le aso e fa'ailoa atu ai e le tagata fa'atonu o lau ta'avale ua gau atoa.

flowchart TD
    Start["Ta'avale Ua Fa'ailoa le Aofa'i o le leiloa (Fa'alavelave, Lolo, Uato'a, po'o le Gaoi)"] --> WhichInsurer{"1. O e tagi i lalo o lau Faiga Fa'avae (1st-Party Collision/Comp) po'o le AT-FAULT DRIVER'S Policy (3rd-Party Liability)?"}

    WhichInsurer -->|"Talosaga a le Vaega Muamua (O Lau Lava Inisiua)"| FirstParty["AIA TATAU O KOnekarate PARTY 1: - O lo'o ia te oe le AIA TATAU I LE ILOILOGA - GAP Inisiua (pe afai i lalo ole vai) e mana'omia le galulue fa'atasi - Toesea e fa'aaoga (e toe maua mulimuli ane e ala ile Subrogation pe a leai se sese)"]

    WhichInsurer -->|"Talosaga a le Vaega Lona To'atolu (Le Inisiua a Aveta'avale Sese)"| ThirdParty["AIA TATAU 3RD-PARTY TORT: - Leai se Fuaiupu Fa'atatau Fa'akonekarate ma isi tagata fai inisiua - Motugaafa: Afai e fa'aleaogaina oe e le kamupani inisiua lona tolu ma e musu e alu, sui lau tagi i lau OWN Collision policy ma fa'aigoaina lau Fuaiupu Fa'atatau (o le a sui e lau inisiua)"]

    FirstParty --> AuditReport["2. TAGATA MA SU'ESE'E LE AGATO'O E 20 ITULAU CCC ONE / LIPOTI MITCHELL"]
    ThirdParty --> AuditReport

    AuditReport --> CheckGap{"3. O fa'atupe le Ta'avale ma se Paleni Fa'aunegatupe I lalo ole Suavai (Loan > ACV)?"}

    CheckGap -->|"LEAI: E iai sau Equity Equity (po'o le Ta'avale e Sa'oloto & Malamalama)"| FightValue["FA'ATAUINA TOTOGI TOTOGI: - Lu'i Fa'aletonu Tulaga Fetu'uaiga & Fuafuaga Fa'atau Atu - Tu'u 3 i le 5 Faleoloa Fa'atau Fa'atau + fa'afou lata mai/liiti pa'u - Afai e teena e le tagata fai inisiua ACV talafeagai (+ Fa'atauga Fa'atauga & Totogi Suafa), fa'atalosaga AGAI IA ILOILOGA."]

    CheckGap -->|"IOE: Nogatupe i lalo ole Suavai (E iai lau Inisiua GAP)"| GapProtocol["GAP INSURANCE COORDINATION PROTOCOL: - Fa'aauau le totogiina o nonogatupe i masina ta'itasi se'ia o'o le paleni i le $0.00 - Fa'aleaogaina le tagata fa'atau Fa'aopoopo Fa'asa'i / Konekarate Au'aunaga i le taimi nei mo le toe fa'afo'i fa'atatau i le loia - Su'etusi le lipoti a le CCC ina ia le fa'asalaina oe e le GAP inisiua mo se ACV muamua e le'i totogia - Tu'u atoa le pepa GAP i totonu ole 60-aso-90 aso e gata ai."]

    CheckGap -->|"IOE: Nogatupe i lalo ole Suavai (LEAI Inisiua GAP)"| NoGapProtocol["FA'ATA'ITIITI'INA O LE FA'A'ITIITIA: - O $1,000 uma e te si'itia ai le ACV e ala i le CCC Su'etusi / Fuaiupu Fa'atatau e $1,000 e to'a ai lau aitalafu i le faletupe mai le taga - Fa'aleaogaina uma fa'atau fa'aopoopo fa'aagaga mo aitalafu fa'aletupe fa'atatau - Fa'atalanoa se fuafuaga fa'aletupe e le'i fa'amautu ma le tagata nonō tupe mo le paleni o totoe."]

E fa'afefea ona fa'atatau e le au inisiua ta'avale "Total Loss Thresholds" ma pe aisea e fa'aititia ai e le CCC One ia ta'avale¶

Ae e te le'i lu'iina se numera o le leiloa atoa, e tatau ona e iloa fua faatatau e lua e fa'aogaina e tagata fai inisiua uma: (1) pe fa'atulafonoina le ta'avale o se tupe gau atoa, ma le (2) fa'afefea CCC Intelligent Solutions (CCC One) po o Mitchell fuaina Tulaga Tau Tupe Moni (ACV).

Fua Fa'atatau 1: Fa'atulafonoina Aofa'iga o To'ilalo (70% to 100%(TLF)"¶

E fa'atulafono e setete ta'itasi a le US pe a fai e se tagata fai inisiua e tatau ona ta'utino atu se ta'avale ua fa'aleagaina le aofa'i o gau ma talosaga mo se Suafa Fa'asao: - ** Tulaga Fa'amauina Fa'aalumaga (e.g., 70% to 80% of ACV): I setete pei o Florida (80%), Nevada (65%), Iowa (70%), Kentucky (75%), Indiana (70%), ma Niu Ioka (75%), afai o le tau o le toe faaleleia e sili atu i le pasene a le setete o le Tau Tupe Moni a le taavale, o le taʻavale e faʻatulafonoina le gau atoa. (I Texas ma Colorado, o le tapulaa faaletulafono o le 100% o ACV.) - Aofa'i Fa'atatau o le leiloa (TLF) Setete: I setete e pei o Kalefonia, Ilinoi, Ohio, Penisilevania, Georgia, ma Massachusetts, e fa'aogaina e tagata fai inisiua le Total Loss Formula: $\(\text{Tau o le Toe Fa'aleleia} + \text{Taua Fa'asao Fa'asao} \ge \text{Tauoa Moni (ACV)}\)$ Matau le togafiti natia iinei: pe afai e fa'aleaogaina e se tagata fai inisiua lalo polo le Tau Tupe Moni a lau taavale (ACV), e fa'afaigofie ai ona latou fa'ato'atoa lau ta'avale (ina ia mafai ona latou fa'atautu'i lau ta'avale i le Copart mo se toe fa'aola maualuga) a'o totogi atu ia te oe le faitau afe e itiiti ifo.

Fuafua 2: Le 5 Laina Meatotonu Totonu a CCC One pe Mitchell Lipoti o le Fa'atatauga¶

A e tatalaina le lipoti PDF e 20-itulau mai le CCC One poʻo le Mitchell WorkCenter, aua le na o le tilotilo i le numera o le aotelega i le Itulau 1. Su'e i Itulau 3 e oo i le 18 ma su'e nei toesega e lima laina:

E fa'afefea ona fa'atalosagaina lau faiga fa'avae "Aia Tatau e Fa'atatauina Fuaiupu" (O le fa'atusa sili)¶

Ae fa'afefea pe a e tu'uina atu i le tagata fetu'una'i se su'ega au'ili'ili e fa'aalia ai o le Tala Fa'atatau moni o lau ta'avale o le $23,500, ae tali mai le tagata fetu'una'i: "O le CCC One e fa'amaonia e le setete; $19,200 o la matou ofo mulimuli, ave pe tu'u"?

Afai o lo'o e fa'auluina se fa'ailoga muamua i lalo o lau lava pepa fa'avae ta'avale (Collision pe Comprehensive inisiua), e te LEAI e te faafaigaluegaina se loia pe molia le kamupani inisiua i le faamasinoga. Ae, tatala lau inisiua ta'avale PDF (Press Ctrl+F and search for the word "Appraisal") e su'e ai le Aiā Tatau e Iloiloina Fuaiupu.

+-----------------------------------------------------------------------------------+
|            HOW THE BINDING "RIGHT TO APPRAISAL CLAUSE" WORKS STEP BY STEP         |
+-----------------------------------------------------------------------------------+
| STEP 1: WRITTEN DEMAND FOR APPRAISAL                                              |
|   - You send a 1-page email and Certified Letter to the adjuster stating:         |
|     "Pursuant to the Appraisal Provision of my policy, I hereby reject your       |
|     Actual Cash Value offer of $19,200 and formally invoke my Right to            |
|     Appraisal. My appointed independent appraiser is [Name, Phone, Email]."       |
+-----------------------------------------------------------------------------------+
| STEP 2: TWO INDEPENDENT APPRAISERS NEGOTIATE (Usually Resolves in 7-14 Days)      |
|   - You pay your licensed independent auto appraiser a flat fee ($350 to $550).   |
|   - The insurer must pay its own outside independent appraiser ($500 to $900)     |
|    , notice that invoking Appraisal IMMEDIATELY costs the insurer money.         |
|   - Both appraisers inspect the car's records and market comps.                   |
+-----------------------------------------------------------------------------------+
| STEP 3: BINDING SETTLEMENT OR UMPIRE RULING                                       |
|   - In 85%+ of cases, the two professional appraisers compromise on a fair        |
|     market number (e.g., $23,100) and sign a Binding Appraisal Award.             |
|   - If they disagree, they submit their differences to a neutral Umpire (cost     |
|     split 50/50), and any decision signed by two of the three is LEGALLY          |
|     BINDING on the insurance company.                                             |
+-----------------------------------------------------------------------------------+
| THE ECONOMIC MATH:                                                                |
|   Original Lowball Offer:                                      $19,200            |
|   Final Binding Appraisal Award:                               $23,100            |
|   Gross Increase (+ State Sales Tax on the $3,900 increase):  +$4,212             |
|   Less Your Independent Appraiser Flat Fee:                     ($450)            |
|   -----------------------------------------------------------------------------   |
|   NET EXTRA CASH IN YOUR POCKET:                              +$3,762             |
+-----------------------------------------------------------------------------------+

Ae faapefea pe a fai le Inisiua a le Aveta'avale Sese (Third-Party Claim) Lowballs Oe?¶

Talu ai e leai sau konekarate ma le isi kamupani inisiua a le aveta'avale, e le mafai ona e fa'atau sa'o se Fuaiupu Fa'atatau e fa'asaga i se kamupani inisiua lona tolu. Ae ui i lea, e lua au gaioiga mamana: 1. O le "Sui i Lau Lava Faiga Faʻavae" Faʻataʻitaʻiga: Afai e te tauaveina Collision coverage i lau lava faiga faʻavae, taʻu atu i le avetaavale sese: "Afai e te le fetaui ma le tau faʻatauga talafeagai o le $ 23,500 i le 5:00 PM taeao, o le a ou tapunia lenei tagi a isi vaega, faila i lalo o laʻu lava Collision policy, faʻafesoʻotaʻi loʻu faʻatagaga o loʻo tuʻuina atu ia te oe, faʻapipiʻi loʻu faʻatagaga mo le Faʻasalaga. faʻatasi ai ma loʻu toesea." 2. Tolu-Party "Loss of Use" power bargaining: I lalo o le tulafono tort i le toetoe lava o setete uma, e tatau ona e nofo aitalafu a le fai inisiua a le aveta'avale ua sese ** Leiloa o le Fa'aoga (totogi taavale totogi)** se'ia latou faia se ofo talafeagai ma le fa'atuatuaga lelei. Fa'amanatu i le supavaisa vaega lona tolu o vaiaso uma latou te fa'atuai ai le ofoina atu o tau fa'atauga moni e fa'aopoopoina le isi $350 i le $500 i le fa'aputuga o noataga o le Fa'aaogaina.

Tulafono a le setete ma le setete i le toe maua o Lafoga Fa'atau, Suafa, ma Totogi Fa'amau¶

Aua ne'i fa'atagaina se tagata fai inisiua e totogi na'o oe le "Ta'avale Fa'avae" e aunoa ma le siakiina o tulafono fa'atulafonoina a lau setete i ** Lafoga Fa'atau (6% to 10%+), Totogi Fa'aliliuina o Suafa, ma Totogi Laisene / Totogi Fa'amau**:

• Setete Lafoga Fa'atauga Fa'amatamata (35+ States e aofia ai Kalefonia, Florida, Niu Ioka, Texas, Ilinoi, Ohio, Penisilevania, Georgia, Uosigitone, ma New Jersey): E tatau i le tagata fai inisiua ona aofia atoa le setete, itumalo, ma le taulaga o lafoga fa'atau atu fa'atasi ai ma totogifuapauina o le fesiitaiga o igoa/resitala i lau ulua'i siaki tupe leiloa atoa, tusa lava pe ua e fa'atauina se ta'avale sui.
• Fa'amatalaga Fa'apitoa mo Ta'avale lisi: O nisi taimi e taumafai tagata fai inisiua e fa'atupe le lafoga fa'atau i luga o le ta'avale lisi atoa, ma fai mai "o le faletupe lisi e tuusaunoa lafoga." I le tele o setete, afai o lau totogi lisi e aofia ai lafoga poʻo e te faʻatupu lafoga e sui ai le lisi, faʻamaonia lau tulafono a le DOI.
• ** "Toe Totogi i luga o le Suiga" Setete (O se Laititi o Setete, e pei o Misuri poʻo pepa faʻavae faʻapitoa)**: I ni nai setete, e faʻatagaina le tagata fai inisiua e taofi le vaega o lafoga faʻatau seʻia e tuʻuina atu se Bill of Sale / Buyer's Order e faʻaalia ai na e faʻatau moni pe lisiina se taʻavale sui i totonu o se faʻamalama faaletulafono (e masani lava ** 30 i le 90 aso). Afai e fa'aogaina e lau setete se fa'amalama o lafoga e sui ai le 30 aso, fa'ailoga le aso e gata ai i lau kalena le aso e totogi ai le fa'aiuga ina ia aua ne'i e misia le $1,500 i le $3,000 i le toe totogiina o lafoga.

Tausia lau ta'avale atoa ("Owner-Retained Salvage") vs. toe tu'uina atu: O mailei natia¶

Afai o lau taavale na afaina ai le uato'a, pe afai o lau taavale toso matua faatuatuaina o loʻo i ai se pito i tua o le kuata pito i tua e $ 5,000 e toe faʻaleleia ai le tau o le tino-shop i luga o se taavale e $6,000 lona tau, atonu e te fesili: "E mafai ona ou teuina le taavale ae ave se siaki laitiiti?"

E ta'ua lea o le Owner-Retained Salvage, ma e ui ina lelei mo le fa'aleagaina o le uato'a i luga o ta'avale totogia, ae fa'atupu mailei matuia pe a e le fa'aeteete: 1. ** Na'o E Maua ACV Minus Salvage Bid: Afai o le ACV o lau taavale e $8,000 ae ofo mai e Copart le \(2,200 mo le tau o le tupe e toe fa'asao ai, e na'o le totogi o oe e le tagata fai inisiua **\)5,800 (fa'aitiitia lou toese). 2. E le mafai ona e Taofia se Ta'avale e iai sau Nogatupe Ta'avale Malosi: Afai e umia e le faletupe se aia i luga o lou suafa, e toetoe lava a le mafai e le faletupe ona fa'atagaina oe e teu se ta'avale fa'asao se'i vagana ua lava le $5,800 tupe totogi e 100% e totogi atoa ai le paleni atoa o nonogatupe ta'avale. 3. Mandatory State "Salvage / Toe Fausia Suafa" Asiasiga: I le tele o setete (unless the car qualifies for an Older-Vehicle Exemption or a Cosmetic Hail Exemption), e lipoti atu e le tagata fai inisiua le VIN i le DMV setete ma fa'aleaogaina lau resitala mama. Ae e te lei toe aveina faaletulafono le taavale i luga o auala lautele, e tatau ona e toe faaleleia, tausia lisiti faʻasalalau faʻatasi ma VINs foaʻi mo vaega uma e sui, toso i le State Patrol / DMV Salvage Inspection Station e pasi ai se vaega gaoia ma asiasiga saogalemu, ma maua se faʻailoga tumau Rebuilt / Reconstructed the car' 3% Reconstructed Title i le lumanaʻi i le 50%). 4. Tagata Fa'ainisiua Fa'ainisiua: Ole tele o tagata fai inisiua e fa'ataga oe e tausia le Liability-Na'o inisiua i luga o se ta'avale Toe Fa'asalaina, ae o le a musu e fa'atau atu ia te oe le Feto'aiga ma Mauatele inisiua i le lumana'i.

Numera fa'aitulagi fa'afuase'i ma fa'atonuga ole su'esu'ega inisiua¶

• Amerika:
• ** Matagaluega o Inisiua a le Setete (DOI) Fa'asea a Tagata Fa'atau (NAIC)**: Afai e musu le tagata fai inisiua e tuuina atu le Lipoti o le Iloiloga a le CCC One / Mitchell, aveese lafoga faʻatau a le setete ma totogifuapauina o igoa, poʻo le tuai ona faʻamamaluina lau konekarate Appraisal Clause, faila i luga ole laiga Unfair Claims Settlement Practices Complains with your State Insurance Commissioner e ala i content.naic.org/state-insurance-departments.
• ** Ofisa e Puipuia Tupe Fa'atau (CFPB)**: Afai e musu se tagata e faaune atu taavale po o se tagata faatau e faatino se pro-rata extended warranty / GAP refund ina ua uma le leiloa atoa, faila se faasea i le consumerfinance.gov/complaint pe valaau 1-855-411-2372.
• Kanata:
• Tulaga Fa'aletulafono 11 (Fa'agasologa o Fa'atatauga): I lalo o fa'alapotopotoga fa'apitonu'u (Ontario OAP 1 Statutory Condition 11, Alberta SPF 1, ma BC ICBC disputes), o lo'o ia te oe lau aia tatau fa'atulafonoina e fa'atatauina**.
• OPCF 43 / SEF 43R ("Waiver of Depreciation" Endorsement): Afai o lau taavale e i lalo ifo o le 24 i le 60 masina le matua, siaki lau pepa faʻavae mo OPCF 43 (Ontario), SEF 43R (Alberta/Atlantic), poʻo Q.E.F. Numera 43 (Quebec), lea e fa'amalosia ai le tagata fai inisiua e totogi le tau atoa o le fa'atauga muamua po'o le MSRP e aunoa ma le toese o le fa'aitiitiga. Fa'ateleina fe'ese'esea'iga ile Service OmbudService General (GIO i 1-877-225-0446 / giocanada.org).
• ** Malo Tele**:
• ** Pulega o Amioga Tautupe (FCA) & Auaunaga Komesina o Sulufaiga (FOS) Tulafono Aofa'i To'iloa**: I lalo o le FOS Valuation Guidelines, e tatau i le tagata fai inisiua ona totogi le tau atoa o Fa'atau oloa e te totogia i se fa'atau oloa i le lotoifale (fa'amaonia e ala i le fuaina o Auto Trader, Glass's Guide, CAP HPI, ma Parkers tau fa'atau ta'iala) e aunoa ma se toesega fefa'ataua'iga po'o fefa'ataua'iga. Si'i fua i le Financial Ombudsman Service (0800 023 4567 / financial-ombudsman.org.uk).
• Iuni Europa:
• Suiga Fa'atauga Fa'aitiitia Tau Fa'aletonu (Wiederbeschaffungswert abzüglich Restwert): I lalo o Siamani (BGB § 249) ma tulafono afi a Europa, o se tagata tomai faapitoa tau taavale (Kfz-Sachverständiger) fa'atulaga le fa'atau fa'aitulagi Suiga Taua, e aofia ai le 130% Tulafono (Integritätsinteresse) fa'atagaina toe fa'aleleia e o'o atu i le 130% o tau o maketi.
• Ausetalia ma Niu Sila:
• Agreed Value vs. Market Value Policy: Siaki lau Fa'amatalaga Fa'ailoa o Oloa (PDS) e fa'amaonia pe iai sau tulafono Agreed Value po'o se Market Value policy. Fa'ateleina feeseesea'iga i lalo ole polo ile Australian Financial Complaints Authority (AFCA i 1800 931 678) pe i Niu Sila i le IFSO (0800 888 202).

Fesili e fai soo¶

Aisea ua maualalo ai le $4,000 le ofo a le kamupani inisiua a le CCC One total-loss ofo nai lo ta'avale tutusa o lo'o fa'atau atu i luga o le AutoTrader, CarMax, ma lotoa fa'atau fanua?¶

O le CCC One software e fa'aoga ai ni suiga fa'asolosolo e lua i lalo i tau o tagata fa'atau oloa i le lalolagi moni: muamua, e to'ese le 5 pasene i le 9 pasene le "Fua'iga Fa'atau atu" mai tau fa'asalalauga uma a tagata fa'atau; lona lua, fetuutuunai e masani ona togi totonu o lau taavale, vali, ma pa'u o le "Average/Fair" a'o fa'apea o ta'avale fa'atau o lo'o i totonu o le "Dealer Retail", ma faia ai se otometi -$1,000 i le -$2,000 "Tulaga Fa'atonu." Mana'omia le lipoti atoa o le CCC e 20-itulau, lu'iina toesega ma fa'amaumauga o tausiga ma fa'atau oloa fa'apitonu'u, ma fa'amautinoa o lo'o fa'apipi'i uma afifi filifiliga falegaosimea i lau VIN Window Sticker.

Afai ou te fa'atagaina le kamupani inisiua e toso mai la'u ta'avale malepelepe mai le fale fa'atau tino po'o leoleo fo'i le lotoa i le Copart, o lona uiga na ou talia la latou ofo e fa'amautu ai le polo maualalo?¶

Leai, o le tu'uina atu o le ta'avale fa'aletino e fa'ae'e i se fale fa'asao e leai se mea e teu ai (Copart po'o IAA) e le fa'apea e te talia la latou ofo fa'atatau, pe afai e te LE'I sainia le Power of Attorney mo le Fa'aliliuina o Suafa po'o se fa'amuta fa'ai'uga. E iai sou tiute e fa'aitiitia ai totogi o le teuina o fanua i aso ta'itasi: fa'ataga i taimi uma le tagata fai inisiua e fa'anofo le ta'avale i se lotoa e leai se mea e teu ai a'o lafo atu se imeli e ta'u mai ai o le fa'agaoioiga e matua'i fa'agata lava pili e teu ai ma e le fa'amatu'u lena suafa se'i vagana ua malilie i ai le Tau Tupe Moni.

E fa'afefea ona fa'aogaina le "Aia Tatau e Fa'atatauina Fuaiupu", ma pe aoga le totogiina o le $450 mo se tagata su'esu'e tuto'atasi?¶

Afai o lau ta'avale o lo'o aofa'i i lalo o lau lava pepa fa'apolokalame's Collision po'o le Comprehensive coverage ma e musu le tagata fetuutuunai e si'i i luga se ofo maualalo e le itiiti ifo i le $2,000 i le $5,000, o le fa'atatauina o le Aia Tatau a lau Polisia i le Fa'atatauina o le Fuaiupu aupito maualuga lea e mafai ona e faia. O le taimi lava e te tu'uina atu ai se mana'oga tusitusia e fa'atatau i le Appraisal, e tatau i le tagata fai inisiua ona fa'afaigaluega lana lava tagata su'esu'e i fafo. O lau su'esu'ega tuto'atasi ma le su'esu'ega a le tagata fai inisiua e fa'atalanoa sa'o e fa'aaoga ai fa'amatalaga moni o maketi, e masani ona si'itia le totogi fa'ai'u e $2,500 i le $6,000+ i totonu o le lua vaiaso.

Ae fa'afefea pe a fai o le fa'alavelave e 100% o le sese a le isi aveta'avale, ma o lo'o tu'uina mai e le kamupani inisiua a le ISI aveta'avale ia te a'u se ofo to'i maualalo?¶

A e failaina se tagi a le isi vaega e faasaga i le fai inisiua a le aveta'avale ua sese, e le mafai ona e fa'atau sa'o mai se Fuaiupu Fa'atatau Fa'akonekarate e faasaga ia i latou. Ae peita'i, afai e te tauaveina le Collision coverage i lau lava inisiua ta'avale, ta'u i le fai inisiua a le aveta'avale sese e faapea, se'i vagana ua latou fa'ateleina le latou ofo e fa'afetaui le tau moni o maketi fa'atasi ai ma lafoga fa'atau ma totogi tau suafa i totonu o le 48 itula, e te tu'uina atu le tagi i lau lava Collision insurer, fa'aoga lau lava policy's Appraisal Clause, ma tu'u lau inisiua e toe fa'afo'i mai le aofa'iga atoa ma lau toesea.

E iai la'u inisiua GAP i la'u nogatupe ta'avale. Aisea ua fai mai ai la'u faletupe ou te nofo aitalafu pea i le $2,800 ina ua uma ona lafo mai e le inisiua taavale ma le inisiua GAP a latou siaki?¶

Toeitiiti lava o konekarate GAP uma e le aofia ai ma toesea: (1) o le tau e le'i maua e mafai ona toe fa'afo'isia a so'o se tagata fa'atau Fa'aopoopo le Warranty, Konekarate Auaunaga, po'o pusa Pa'u/Uli na e fa'atupeina i totonu o le nonogatupe (ona e tatau ona e fa'aleaogaina na saisai ma le fa'atau ina ia toe lafo atu le tupe toe fa'afo'i atu i lau nonōina mai), (2) ua te'a totogi masina po'o le tuai totogi o le $5, (03) o lau inisiua ua tuai, (03) o lau inisiua tuai. $1,000, ma le (4) aofa'i i luga a'e o le GAP policy a le 125% i le 150% Loan-to-Value cap. Fa'afeso'ota'i vave le Ofisa o Tupe e fa'atau oloa i se tusi e fa'aleaogaina uma fa'atupega fa'atupe i tua i le aso na tupu ai le fa'alavelave ina ia soloiesea e le refund le paleni o lo'o totoe.

E mafai ona ou taofi le totogiina o la'u ta'avale masina pe a fa'ailoa mai e le kamupani inisiua ua gau atoa la'u ta'avale?¶

Aua ne'i taofia le totogiina o lau nonogatupe ta'avale ta'i masina se'i vagana ua fa'aalia aloa'ia e lau 'upega tafa'ilagi le $0.00 paleni totogi. E tusa lava pe ua i ai le taavale i totonu o le salvage yard, e manaʻomia le 2 i le 4 vaiaso mo le siaki muamua a le inisiua e oʻo atu i lau tagata faʻameaalofa ma le isi 4 i le 8 vaiaso mo inisiua GAP ma toe faʻafoʻi atu le warranty e totogi ai le faʻaletonu o totoe. O le misia o se aso e tatau ona totogi i le masina i lena faamalama e mafua ai le 30 aso o le solitulafono i au lipoti aitalafu, ma faaleagaina ai lau sikoa togi i le taimi tonu e te manaomia ai le faatupeina o se taavale e sui ai.

Taiala fa'atatau¶

• Te'ena le tagi o inisiua ta'avale, tupe leiloa atoa i lalo polo, ma le ta'avale e le'i inisiua ua lavea le puipuiga
• Fa'ato'a toe maua, aia tatau fa'aola, ma le puipuiga o paleni fa'aletonu
• Fa'atogatupe ta'avale yo-yo fa'atupega, fa'ailoga fa'atauva'a, ma le fa'atau e mana'omia le ta'avale
• Fa'aaitalafu a tamaiti aoga, nonogatupe ta'avale, po'o lisi fale e fa'aletonu ai le puipuiga
• Fa'atonu numera o fa'alavelave

Punavai ma ta'iala aloa'ia¶

• National Association of Inisiua Komesina (NAIC): Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'ata'ita'iga Fa'atonu Fa'atonu Meatotino/Talosaga Manu'a.Model #902, Section 8 - Tupe Totogi Aofa'i o Ta'avale Ta'avale, Fa'aputuga o Maketi Fa'apitonu'u, ma Fa'aofia Lafoga Fa'atau).
• Kalefonia Matagaluega o Inisiua (10 CCR § 2695.8), Niu Ioka DFS (11 NYCRR § 216.7 / Regulation 64), ma Texas DOI: Talosaga Fa'atonu Fa'atonu Fa'atonuga Fa'atonu Fa'atonuga Fa'amaumauga o Fa'amaumauga o Fa'amaumauga o Fa'amaumauga o Fa'amaumauga ma Aia Tatau e Fa'atatau i Fa'atonuga.
• O le Ofisa o le Puipuiga o Tupe a Tagata Fa'atau (CFPB): Fa'aaliga Fa'apitoa i Auaunaga Tau Tupe Ta'avale: Aofa'i Fa'amuta GAP ma Fa'afouga Fa'aopoopo Fa'asilasilaga o Fa'amaumauga Fa'aopoopo e Pro-Rata.
• United Kingdom Financial Conduct Authority (FCA) & Financial Ombudsman Service (FOS): Motor Inisiua Aofa'i Fa'atatau Fa'atatauga Fa'amama ma Fa'atulafonoina le Fa'aaogaina o Ta'iala Fefa'ataua'iga Fa'atau Ta'avale.
• ** Ofisa Inisiua a Kanata (IBC) & FSRA Ontario:** Faiga Fa'avae Ta'avale a Ontario (OAP 1) Tulaga Fa'aletulafono 11 Fa'atatauga ma le OPCF 43 Fa'amavaega o Fa'aitiitiga Fa'aitiitiga.