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Aurora Total Loss – Frequently Asked Questions

What qualifies a vehicle as a total loss in Aurora?

In Aurora, a vehicle is considered a total loss when the cost to repair it plus its salvage value exceeds the car’s current market value. Local insurers rely on Aurora-specific pricing, often using nearby areas such as Naperville, Batavia, and North Aurora to determine the proper valuation.

More info: Illinois Total Loss Regulations.

How can I find my car’s fair market value in Aurora?

Fair market value is determined by comparing similar vehicles sold locally, adjusting for mileage, trim, and condition. Aurora data sources include local dealerships, online listings, and sales in West Aurora and Montgomery.

Learn more: Fair Market Value Guide.

If my car is totaled in Aurora, will insurance cover replacement?

Insurance covers the Actual Cash Value (ACV) of your car at the time of the loss. This amount may differ from your loan or replacement cost. Deductibles usually apply only if claiming through your own policy.

What steps should I take if Aurora insurers offer too little?

Review the valuation report and check whether the comparables reflect Aurora-specific sales. You can request an independent total loss appraisal to challenge low offers and negotiate a fair settlement.

Start here: Aurora Total Loss Appraisals.

How does Illinois handle salvage titles after a total loss?

Aurora vehicles declared totaled are issued an Illinois Salvage Title. After repair, the vehicle must pass an inspection for a rebuilt title before it can be legally driven.

Can I retain my totaled car in Aurora?

Yes, but your payout is reduced by the salvage value. You must complete Illinois’ rebuilt title process to register and drive the car again.

Does my Aurora settlement include taxes and fees?

Settlement amounts may include sales tax, registration, and title fees depending on your insurer and policy. Always request an itemized explanation of your total payout.

Why do Aurora car valuations sometimes come back lower than expected?

Insurers sometimes use comps from other areas or vehicles with different mileage/options. A local Aurora appraisal ensures the value reflects actual sales trends in Kane and DuPage counties.

Correct undervaluation: Request an Appraisal.

How much time do Aurora drivers have to dispute a total loss claim?

Illinois law gives drivers up to two years from the accident date to file a property damage claim, but earlier action improves accuracy and strengthens evidence.

How does Aurora’s car market affect my ACV?

Aurora’s market differs from Chicago and surrounding suburbs. Popular commuter cars and locally sought-after trims may command higher value. Accurate ACV requires using Aurora-specific comps.

Is there an appraisal clause in Aurora insurance policies?

Many Aurora auto policies include an appraisal clause allowing both sides to hire an appraiser and appoint a neutral umpire to determine the final value in case of disagreement.

Can SnapClaim appraisals be used in Aurora legal proceedings?

Yes. SnapClaim appraisals can be used in Kane or DuPage County small claims, arbitration, or mediation to support your total loss valuation.

How quickly can I receive an Aurora total loss appraisal?

SnapClaim typically delivers Aurora total loss appraisals the same day, often within a few hours, so you can quickly respond to low offers.

What if my loan is higher than the ACV in Aurora?

You are responsible for the difference if your loan exceeds the car’s ACV. GAP insurance, if purchased, can cover negative equity.

How does SnapClaim assist Aurora drivers with total loss claims?

SnapClaim uses Aurora-specific sales and market data to generate accurate ACV appraisals, helping drivers recover more than the initial insurer offer.
Start here: Get an Aurora Appraisal.

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