Collision Service Investigators - North Carolina
704-216-0081 - EMAIL csi@csi-nc.net
North Carolina's BBB Review Leader
Classic Car Value - Diminished Value - Divorce Dispute - SSI Spend Down -Total Loss Value (ACV)
NC Vehicle Indemnity / Title Bond
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Total Loss
Are you dealing with a total loss claim? You don't have to lose money!
North Carolina’s Total Loss Rule, 11 NCAC 04 .0418, clearly mandates that auto insurers use the "retail" cost of comparable vehicles available for sale. However, many insurers take advantage of the fact that most claimants are unaware of this regulation. As a result, they often disregard their obligation to adhere to the Total Loss Rule. Auto insurers use "base value" or take price," undermining the fair compensation that drivers deserve when faced with a total loss claim. Claimants must be informed about their rights to ensure compliance and receive the compensation they are entitled to.
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Danny Wyatt is a past member of the North Carolina Department of Insurance External Appraiser and Repair Task Force Board 2018 - 2020.
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Danny is the co-author of this section of North Carolina’s Total Loss Rule. Danny knows when the auto insurer's offer is fair or not fair.
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Where do auto insurers get their vehicle values?
​Auto insurers often rely on companies like CCC Intelligent Solutions, Mitchell, and Solera/Audatex, which primarily serve the interests of insurance companies. Among these, the CCC ONE® report is the most widely used, followed by Mitchell and then Audatex.
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The insurance company's adjuster provides key information, but the comparable vehicles in the CCC ONE® Market Valuation Report often fall short. They frequently show (1) variations in trim models, options, and equipment; (2) mileage that is either higher or lower than yours; (3) a history of damage; and (4) an undervaluation of your total loss vehicle, potentially costing you between $1,500 and $10,000 in rightful compensation. Don’t let these discrepancies go unchallenged!
Help is just a FREE call away! 704-216-0081
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Customer Reviews
BBB Connie D 8/17/2024
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CSI got me over 5k on the value of my 2022 Toyota Rav4 when it was deemed a total loss. The insurance tried to give me far less than the cost. Danny had it resolved in just a few days. He also took the time to talk with me, and kept me in the loop throughout the process. He is an expert and any fee paid to him is well worth it.
BBB Carolyn M 02/14/2024
Could not have asked for a better experience. This was the first time we had ever totaled a vehicle and insurance really failed us. The hit is with a low offer and would not take into account any aftermarket parts. Our truck was a salvage vehicle and even after paying full coverage for almost 7 year insurance made it sound like we should be grateful for that offer. Instead we reached out to Danny. Danny communicated with us in a timely manner and always answered any questions I had. I'm sure I asked him a million. He reviewed our case and was confident he could do better, especially with the parts reciepts we had. He didn't disappoint! He nearly doubled out payout. We were very happy, as we felt that that offer was closer to the value of our truck. Danny we can't thank you enough! We hope to not deal with you anytime soon, but we will share your information to anyone else who may need help. Thank you again!
BBB Blake I​ 06/20/2024
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State farm offered my wife and I $33,000 for our 4runner. Slap in the face!!!! I tried to negotiate with them and they wouldn't budge. I contacted Danny and he did some diligent research. We came to a final settlement with state farm for $38,733.79. I am super thankful to Danny. He's the man.
BBB Christina E 06/11/2024
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​Danny Wyatt was very responsive from the minute we called. He knows vehicles and appraisals inside out. He helped us tremendously in proving the actual worth of our vehicle that the insurance company would not originally validate or recognize. But, after Danny's involvement and research, we were able to prove the actual worth of our special edition limited vehicle and were paid back the money we deserved. Thank you Danny!
