Can a personal injury firm take property-damage-only claims?
By Jeff Zigman, TRUEclaims · Updated
The short answer
Yes. A totaled car with a low insurance offer, or a repaired car that lost resale value, is a claim worth pursuing even with no injury. Total losses are usually disputed through the Appraisal Clause in the owner's own policy, without a lawsuit, and repaired cars can bring a diminished value claim.
Most injury firms turn these calls away because there's no bodily injury case. But the property claim is real: the insurer's valuation is built on comparable vehicles, and when those comparables are wrong (trim, mileage, options, location), the offer comes in low.
With True Claims, the valuation is built from real comparable vehicles, and a pre-vetted independent appraiser handles the Appraisal Clause negotiation with the insurer. Past total losses have averaged a $7,500 increase over the insurer's offer, and most settled within 1–2 weeks (past results, not a forecast).
A common fee structure is a third of the increase over the insurer's offer on a total loss, and a third of the settlement on diminished value. The firm fronts about $500–$600 per total loss and $200–$350 per diminished value claim, recovered from the settlement. Check your state bar's rules on fee agreements.
Take the property-damage-only calls nearby firms turn away
More questions
General information, not legal advice. Figures are past True Claims results or illustrative, as labelled. TRUEclaims is not a law firm.