Four things are happening to your car and your claim right now. None of them is a sales tactic. All of them you can check yourself in about ten minutes.
The car is worth less every month it sits
A wrecked car does not hold still. The battery discharges and sulfates, seals and gaskets dry out, brake rotors and lines corrode, tires flat-spot and perish, and anything that was holding fluid starts not to. None of that touches the damage from the collision. All of it comes off what the car is worth.
Check it: If the car has been parked since the accident, work out how many months that is. That is roughly how much of the drivetrain value has been quietly spending itself.
A tow yard charges by the day, and it does not stop
If the car went to a tow yard or an impound lot after the collision, there is a daily storage charge accruing against it right now. Bay Area yards commonly run into the high tens of dollars a day once the free period ends, and the lien attaches to the vehicle. A car can sit long enough that the storage bill exceeds what anybody will pay for it, at which point the yard keeps it and the owner gets nothing.
Check it: Call the yard and ask for the current total and the daily rate. If the car is in storage, this is the most expensive clock running against you and the only one with a hard ending.
Claim decisions have deadlines, and they are not yours to extend
If an insurer has declared a total loss, the decision about whether you keep the vehicle, and what the carrier deducts if you do, runs on the carrier's timetable. Owner-retained salvage is a choice with a window on it. So is disputing a valuation. The windows differ by carrier and by policy, which is exactly why they catch people out: there is no single deadline to remember and no reminder coming.
Check it: Ask your adjuster, in writing, what your deadline is for the retention decision and for disputing the valuation. Get it before you decide anything, not after.
Our written offer stands for 14 days
The number we put in writing is good for 14 days. That is not a pressure tactic and there is no timer on this page. It is how long we can hold a price against a market that moves, and it is stated so you know what you are holding rather than finding out when you call back.
Check it: The date is on the offer itself. If it lapses, call and we will price it again. The number may be different, because the car will be.