My car has minor cosmetic damage from a hail storm, I filed a claim but the shop said the car is a total loss?
Can I just simply cancel the claim with my insurance? I own the car outright, it has a clean title and there is only cosmetic damage.
From what I understand if a car is deemed a total loss, then in order to receive payment from insurance I have to give them my car, which I don’t want to do. I’d rather just cancel the claim and take care of the minor damages myself.
I’m in Arizona, if that makes a difference.
the estimate I got was $ 3,600 – I don’t know the fair market value on the car, but I’m sure it’s a little less than that. But I don’t really want to part with the car, I like it!