Topic
Total Loss
53 published works
Bloom Legal Blog
When Totaled Doesn’t Mean Paid Navigating Louisiana’s Total Loss Thresholds and Gap Insurance
The aftermath of a severe car accident is a stressful experience, but for many Louisiana drivers, the real shock arrives after the insurance company declares the vehicle a total loss.…
Bloom Legal Blog
When Totaled Doesn’t Mean Paid: Navigating Louisiana’s Total Loss Thresholds and Gap Insurance
For hard-working individuals recovering from a devastating motor vehicle collision in Southeast Louisiana, the physical trauma of an impact is frequently overshadowed by an aggressive administrative offensive from corporate insurers.…
Class Actions Insider
Sixth Circuit, Sitting En Banc, Rejects Class Certification in Auto Insurance Total Loss Case
En banc class-certification decisions are rare, which makes the Sixth Circuit’s decision in Clippinger v. State Farm Automobile Insurance Company, No. 24-5421, — F.4th —, 2026 WL 1113480 (6th Cir. Apr. 24,…
Property Insurance Coverage Law Blog
Don’t Believe Everything You Read on the Internet – or Even in Your Claim Letter
By Mark Dillman
Many of us appreciate misdirection, deception, and technical play on words in brainteasers and riddles. The same is not usually the case when an insurer is explaining your legal rights…
Property Insurance Coverage Law Blog
Total Loss Does Not Mean Supplemental Coverages Get Paid—Ceballo Overruled Mierzwa So That Law and Ordinance Does Not Get Automatically Paid Following a Total Loss
By Chip Merlin
We still field questions from adjusters about what gets paid if there is a total loss in Florida. I am certain that most adjusters remember something about a Florida total…
Zalma on Insurance
A House is Not a Home if It Can’t Be Lived In by Humans
By Barry Zalma
Give Me a Break: A Mobile Home that Can’t Be Used or Moved is a Total Loss In Patricia Crisco, et al. v. Foremost Insurance Company Grand Rapids, Michigan, et…
Property Insurance Coverage Law Blog
Determination of a Total Loss May Require an Expert
The basic principle of a “valued policy” statute is that the parties to a fire insurance contract agree in advance on a valuation of the property to be insured, and,…
Texas Personal Injury Law Blog
Can an Insurance Company Pay Less Than I Owe on My Totaled Car When the Wreck is Not My Fault?
By Paul Cannon
December 23rd, 2019 Yes. After a wreck, people sometimes find themselves in a situation where they owe more money on their car than the car’s fair market value. This is…
Property Insurance Coverage Law Blog
Total Loss and Constructive Total Loss in Florida
By Chip Merlin
Total loss and constructive total loss concepts in Florida are often confused with automobile total loss situations and exclusions and coverages related to Ordinance or Laws. We recently were asked…
Property Insurance Coverage Law Blog
FEMA Takes One Step Forward and Two Steps Back
I had intended to write a blog about FEMA bulletin W-15023 which was released on Friday May 29, 2015. In my initial reading of the bulletin I was happy to…