TEXAS LAWYER: Your Car’s Totaled—but the Bank Still Wants Money?! скачать в хорошем качестве

TEXAS LAWYER: Your Car’s Totaled—but the Bank Still Wants Money?!

If your car is totaled in Texas but you still owe on the loan, this video shows how to avoid paying thousands for a vehicle you can’t drive. Personal injury attorney Max “the Axe” explains ACV (actual cash value), deductibles, gap insurance, lender payoffs, and how to negotiate a bigger total‑loss settlement—step by step. The video explains what to do if your car is totaled in Texas but you still owe money on your loan. It covers why insurance payouts might not cover your full loan and offers advice on gap insurance and negotiating your remaining balance. My Car Was Totaled in Texas—and I Still Owe Thousands - TEXAS LAWYER: How to Handle a Totaled Car When You Still Have Payments What you’ll learn: Is it really “totaled” in Texas? The total loss formula (salvage value + repair cost - pre‑crash value). How payouts work with a loan: ACV → minus deductible → check goes to your lender → what happens if there’s a deficiency balance. Upside‑down loans: Options with or without GAP coverage. How to raise the offer: Documentation to gather, local comps (Dallas, Houston, Austin, El Paso, Waco, Amarillo), and what to say to the adjuster. Third‑party claims: When the at‑fault driver’s insurer should pay and how a lawyer helps. Your rights in Texas: Pushing back on low valuations, and when to complain to the Texas Department of Insurance. Chapters 00:00 Why you can still owe after a total loss 00:39 Is your car legally totaled in Texas? 01:52 Find your exact loan payoff 02:30 How total‑loss payouts work with loans (ACV, deductible, lender) 03:34 Upside‑down on the loan—what now? 03:55 GAP insurance explained 04:39 No GAP—realistic options 05:32 Maximize your insurance payout (docs, comps, negotiation) 06:44 What happens to your loan after a total loss 07:16 If the crash wasn’t your fault (third‑party claim) 07:57 Don’t forget your personal property 08:19 Common insurance tactics & your rights (TDI) 08:58 When to call a Texas car accident lawyer 09:30 Recap & next steps 09:59 Watch next: How the car‑accident claims process works Need a Texas attorney to fight the total‑loss payout? If the insurer is stonewalling you, you’re upside‑down on the loan, or fault is disputed, talk to a Texas car‑accident lawyer. A legal team can challenge valuations, handle the at‑fault driver’s insurer, and protect your credit from a deficiency balance. -Discuss Your Case: (832) 726-1818 -Website: LoneStarInjuryAttorneys.com (Serving clients across Texas: Dallas–Fort Worth, Houston, Austin, San Antonio, El Paso, Waco, Midland, Amarillo & more.) About Max “the Axe” - Lone Start Injury Law I’m a Texas personal injury attorney—the “gold standard” in personal injury—and I help crash victims understand the process, protect their rights, and maximize their recovery. 📞 Discuss Your Case: (832) 726-1818 🌐 Website: LoneStarInjuryAttorneys.com Resources Mentioned: Kelley Blue Book / Edmunds / Local dealer listings for comps Texas Department of Insurance – file a complaint if treated unfairly DISCLAIMER: This video is for general information only, not legal advice, and does not create an attorney–client relationship. Every case and policy is different; deadlines apply. Consult a Texas‑licensed attorney about your specific situation. In this video, you’ll learn exactly how Texas insurance handles total-loss vehicles and what to do if you still owe on your loan : How the Car Accident Claims Process Works →    • Texas Car Accident Claims I Claims Process...   Subscribe for more Texas accident tips every week. #Texas #CarAccident #TotalLoss #GapInsurance #TexasLaw #AutoInsurance #PersonalInjury #TotaledCar #InsuranceClaim #CarAccidentLawyer