What is Property-damage-only claim?

A property-damage-only claim is a car accident claim with damage to the vehicle and no bodily injury. Injury firms usually turn these callers away, though a low total-loss offer or lost resale value can still be worth pursuing.

Through a referral arrangement, those callers can be forwarded to a firm that handles property damage, with any injury case sent back to the referring firm.

Can injury firms take these claims?
The referral program

See how the referral program works The one-pager, the referral line, the AI assistant and the Appraisal Clause, set up for you.

More terms

Total loss Actual cash value (ACV)Appraisal Clause Umpire (appraisal)Total Loss Formula Total loss threshold Salvage value Diminished value Comparable vehicle (comp)Fair market value (FMV)Loss of use Referral agreement (between law firms)Demand letter

Updated 2026-11-01. General information, not legal advice; policy wording and state rules vary. TRUEclaims is not a law firm.