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If your car has been declared a total loss, you’ve probably heard the term ACV thrown around by your insurance adjuster. They calculated the ACV. They’re paying you based on ACV. The ACV is the ACV and that’s that. Except it’s not that simple — and understanding what ACV actually means, and how it’s calculated, could be worth thousands of dollars to you. What ACV Means ACV stands for Actual Cash Value. It’s the fair market value of your vehicle immediately before the accident

5 Mistakes Tennessee Drivers Make After a Total Loss (And How to Avoid Them) Getting the call that your car is a total loss is stressful enough. What makes it worse is that most drivers unknowingly make decisions in the first few days that cost them thousands of dollars. Here are the five most common mistakes we see — and what to do instead. Mistake #1: Signing the Release Right Away This is the big one. Your insurance company sends over a settlement offer and a release form,

You didn't expect it. The accident happened, your car was towed, and now your insurance company is telling you it's a total loss — and here's their check. The number they're offering doesn't come close to what your vehicle was actually worth. Now you're facing a gap between what they're paying and what you actually need to replace it. This happens every day across Tennessee, and most people accept that first offer because they don't know they have options. You do. Here's what