• Member: Johnny D., Florida

• Vehicle: 2024 Toyota RAV4

• Event Date: September 2025

This case shows how GDM manages a total-loss event through a transparent process.

Process Highlights

• The incident, which occurred on a Saturday afternoon, was reported within minutes of the accident through the GDM app.

• A Mutuality Advisor reached out early Monday morning to review details, confirm eligibility, and begin the process.

• Our valuation partners used local market data to establish an accurate pre-loss value.

• The Mutuality Advisor maintained clear communication throughout the process via email, text, calls, and in-app messaging.

• Net auction proceeds were returned to the GDM community to help cover future accident costs.

Reporting the Incident

The Member had a tire blow out on the highway, lost control, and crashed. He reported the event through the GDM app in just a few simple steps.

A Mutuality Advisor reached out to the Member to review the details, verify eligibility, and inform him that GDM would handle the event as primary support.

Assessment & Total-Loss Determination

GDM made an assignment to Copart, a nationwide salvage auction partner, to pick up and store the vehicle.

Copart provided the Mutuality Advisor with clear photos to help assess the damage and review the valuation.

Inspection Findings:

Major front-end structural damage

Estimated repairs: $28,543.84

Valuation Result:

The Mutuality Advisor reviewed the repair cost alongside the vehicle's pre-loss value and salvage value and determined that it qualified as a total loss under Florida regulations.

Actual Cash Value (ACV): $31,618.00

Net Auction Proceeds from Copart: $14,117.25

For the Member, the valuation reflected the vehicle's pre-loss condition, supporting him with the option to select a replacement vehicle of similar condition. For the community, the auction proceeds were returned to help cover future accident costs. Therefore, handling the event as a total loss resulted in lower overall community contributions than opting for repairs.

Completing the Total-Loss Steps

Documentation Support:

Total-loss events require accurate documentation. The Mutuality Advisor guided the Member through all the necessary paperwork.

After the Member mailed the signed title, Copart processed the vehicle through its standard total-loss workflow.

Event Cost Breakdown:

Under GDM's model, the Member's Out-of-Pocket Expense of $1,000 and Remaining Pledge Balance of $298.74 were deducted from the settlement amount, and the remaining $32,433.69 was shared by the community.

Visibility & Transparency:

Through the GDM app, the Member could track event details and message the Mutuality Advisor as needed. The event was publicly announced in cycle #202542 in the app, ensuring full transparency for all members.

GDM Summary

Although the total-loss process can be complex and stressful, the Mutuality Advisor provided clear guidance and steady support throughout the experience.

The Member was so pleased with his experience that when he purchased a replacement vehicle, he put that vehicle on a new GDM plan.