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OPTION 3
Your Vehicle May
Be A Total Loss
Our Role
Independent Appraiser
Nexterra is an independent damage appraiser. We inspect your vehicle, document the damage, and provide the estimate to your insurance carrier.
Not The Decision Maker
We do not make the total loss determination, we do not value your vehicle, and we do not issue settlement payments. Those decisions belong to your insurance carrier.
How The Determination Works
Carrier Reviews The Estimate
Your carrier reviews our damage estimate alongside your vehicle's value and salvage value, then contacts you directly with their determination.
What Makes A Total Loss
A vehicle is generally declared a total loss when the cost to repair it, combined with its salvage value, exceeds what the vehicle is worth. It is a valuation decision, not a statement that the vehicle couldn't be fixed.
Questions For Your Insurance Adjuster — Not Nexterra
Valuation & Settlement
Your vehicle's valuation, the comparable vehicles used to set it, and your settlement amount and timing.
Loan, Lease & Title
Loan or lease payoff, lienholder handling, gap coverage, and title transfer.
Rental Coverage
How long your rental coverage continues once a determination is made.
Owner-Retained Salvage
Whether you may retain the vehicle as owner-retained salvage.
Questions At Any Point? Reach Out Early
How We Can Help
We can explain the damage we documented.
If another storm or incident damages your vehicle after our inspection, contact your adjuster first — we may need to re-inspect once a new claim is opened.
If your carrier determines the vehicle is repairable rather than a total loss, call us and we'll get you scheduled right away.
In The Meantime
Begin removing personal belongings — including the trunk, glove box, and under the seats.
Locate your title or your lienholder and loan account information so you're ready when your carrier asks.
Salvage pickup — You may be contacted by a salvage company about collecting your vehicle. This outreach is a normal part of the process, but you are under no obligation to schedule pickup until your adjuster has reviewed the settlement with you.