S OU T HWEST E DI T I ON AZ / AR / CO / LA / NM / OK / TX / UT July 2026 Surging Negative Equity May Be REGIONAL NEWS Reshaping Collision Claim Behavior Proposed Texas Rule Could Drive More By Lisa McArdle where insured volume is shrinking Appraisal Demands...
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S OU T HWEST E DI T I ON AZ / AR / CO / LA / NM / OK / TX / UT July 2026 Surging Negative Equity May Be REGIONAL NEWS Reshaping Collision Claim Behavior Proposed Texas Rule Could Drive More By Lisa McArdle where insured volume is shrinking Appraisal Demands to Collision Shops and financial pressure on vehicle Nearly one in three Americans trading owners is growing. Every Texas auto policyholder will in a vehicle today owes more on their begin receiving a written notice of their loan than their car is worth. Data from How total loss is determined right to invoke independent appraisal Edmunds shows that 30.9% of trade- Understanding why negative equity under proposed Texas Department of ins toward new-vehicle purchases matters to shops begins with how Insurance amendments that fold the carried negative equity in Q1 2026, insurers determine a vehicle is a total new right-to-appraisal provision from the highest share of underwater loss, which is a process that does not Senate Bill 458 into
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