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Posted February 16, 2018

Our client has a 2008 Maserati Quattroporte and was insured with USAA. The OEM Certified Collision Facility our client chose to restore her car back to its Pre-Wreck OEM Condition issued a repair estimate for $17,554.93. Our client wanted her Maserati Quattroporte returned back to its OEM Pre-Wreck Condition.

USAA Insurance elected to deem our client’s 2008 Maserati Quattroporte a Total Loss. USAA employed CCC ONE to issue a Market Valuation Report on the 2008 Maserati Quattroporte. CCC ONE arrived at a Perceived Market Value replacement on the 2008 Maserati Quattroporte for $24,495.00.

The Damage to Loss Ratio at the CCC ONE Adjusted Vehicle Value ($17,554.93/ $24,495.00 = 72%) was 72%. Texas Transportation Department sets the Total Loss Threshold as 100% of the Actual Cash Value. Meaning if the repair cost minus the refinishing time, paint cost, and sales tax is less than the Actual Cash Value, said vehicle is eligible to be repaired.

Our client employed us to issue a damage loss module, explain to USAA the Texas Total Loss Threshold code, and negotiate with USAA to repair her car. USAA subsequently agreed to the $17,554.93 repair estimate to restore our client’s 2008 Maserati Quattroporte back to it’s Pre-Wreck OEM Condition after presented the facts.

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