TRUEclaims
Get Started

Property damage claims for injury firms in Illinois

Injury firms in Illinois turn away property-damage-only calls every week: a wrecked car, nobody hurt. A totaled car with a low offer, or a repaired car that lost value, is a claim worth pursuing, and those calls can go to your firm.

The short answer

Yes, an injury firm in Illinois can take property-damage-only claims. Illinois doesn't set a percentage for insured cars. Insurers generally use the Total Loss Formula: a car is a total loss when the repair cost plus its salvage value reaches its actual cash value (ACV). A low total-loss offer can usually be disputed through the Appraisal Clause in the owner's own policy, without a lawsuit, and a repaired car may bring a diminished value claim. With True Claims, past total losses have averaged a $7,500 increase over the insurer's offer.

Updated · General information, not legal advice.

Get Started Book a 15-minute demo

How total losses are decided in Illinois

Illinois doesn't set a percentage for insured cars. Insurers generally use the Total Loss Formula: a car is a total loss when the repair cost plus its salvage value reaches its actual cash value (ACV).

Total Loss Formula (repairs + salvage ≥ value)625 ILCS 5/1-182

Illinois' 33⅓% figure is a salvage-title line, not the insurer's rule. Insurers decide on repair cost plus salvage value.

Either way, the number that decides the claim is the car's value. When the insurer's valuation is built on the wrong comparable cars, trims or mileage, the offer comes in low, and that gap is what a total loss claim recovers. See Illinois's rule with a worked example.

How your firm handles them

  • Total losses go through the Appraisal Clause in the owner's own policy: no lawsuit. With True Claims, the valuation is built from real comparable vehicles and a pre-vetted independent appraiser handles the negotiation with the insurer.
  • Repaired cars bring a diminished value claim, usually against the at-fault driver's insurer. Rules vary by state.
  • Fees: a common structure on a total loss is a third of the increase over the insurer's offer; on diminished value, a third of the settlement. The firm fronts the costs (about $500–$600 per total loss, $200–$350 per diminished value claim) and gets them back from the settlement. Check your state bar's rules on fee agreements.

What these claims have looked like with True Claims

Average total loss increase
+$7,500
Most total losses settle
1–2 weeks
Diminished value, usually
$2,500–$6,000

Past results with True Claims, not a forecast.

Where the claims come from in Illinois

Nearby injury firms already get these calls and turn them away. With a simple referral agreement, they forward property-damage-only callers to a referral line set up for your firm. An AI assistant answers 24/7, checks the claim qualifies and warm-transfers the caller to your intake. Any injury case goes back to the firm that sent it.

True Claims gives you the one-pager and referral agreement for each firm, the phone line and the assistant. See how the referral program works.

Start taking property damage claims in Illinois

Get Started Book a 15-minute demo
Find the injury firms near youEnter your ZIP and see the firms within 20 miles whose car-only calls could come to you.Get the Referral Partner PlaybookThe pitch, the email, the intake questions and a 30-day plan. Free.Run the numbers for your firmWhat the car-only calls around you could be worth. Illustrative.

Questions injury firms ask

Questions people ask

›How are total losses decided in Illinois?

Illinois doesn't set a percentage for insured cars. Insurers generally use the Total Loss Formula: a car is a total loss when the repair cost plus its salvage value reaches its actual cash value (ACV). Illinois' 33⅓% figure is a salvage-title line, not the insurer's rule. Insurers decide on repair cost plus salvage value.

›Can an injury firm in Illinois take property-damage-only claims?

Yes. Many injury firms turn these calls away, but a totaled car with a low offer, or a repaired car that lost value, is a claim worth pursuing. With True Claims, the valuation is built from real comparable vehicles and, on total losses, a pre-vetted independent appraiser handles the Appraisal Clause with the insurer. Check your state bar's rules on fee agreements and referrals.

›How does the firm get paid on a total loss?

A common structure is a third of the increase over the insurer's offer, not of the whole settlement. The firm fronts the appraisal cost, about $500 to $600 per total loss, and gets it back from the settlement.

›What have these claims looked like with True Claims?

Past results with True Claims: the average total loss increase has been about $7,500, and most total losses have settled within 1 to 2 weeks. Diminished value claims have usually settled for $2,500 to $6,000 within 1 to 6 weeks. These are past results, not a forecast.

›Where do the claims come from?

From the property-damage-only calls nearby injury firms turn away. With a simple referral agreement, they forward those callers to your firm's referral line, where an AI assistant answers 24/7, checks the claim qualifies and warm-transfers the caller to your intake. Any injury case goes back to the firm that sent it.

Other states