{"id":276793,"date":"2025-09-24T11:54:34","date_gmt":"2025-09-24T06:24:34","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=276793"},"modified":"2025-09-24T18:19:25","modified_gmt":"2025-09-24T12:49:25","slug":"actual-cash-value-in-total-loss-claims-explained","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/actual-cash-value-in-total-loss-claims-explained\/","title":{"rendered":"Understanding the Actual Cash Value in Total Loss Claims"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-is-actual-cash-value-acv\">What Is \u201cActual Cash Value\u201d (ACV)?<\/a><ul><\/ul><\/li><li><a href=\"#when-is-a-car-declared-a-total-loss\">When Is a Car Declared a Total Loss?<\/a><ul><\/ul><\/li><li><a href=\"#how-insurers-calculate-acv\">How Insurers Calculate ACV<\/a><ul><\/ul><\/li><li><a href=\"#why-acv-matters-in-total-loss-claims\">Why ACV Matters in Total Loss Claims<\/a><ul><\/ul><\/li><li><a href=\"#common-myths-about-acv\">Common Myths About ACV<\/a><ul><\/ul><\/li><li><a href=\"#how-to-challenge-or-negotiate-acv\">How to Challenge or Negotiate ACV<\/a><ul><li><a href=\"#step-4-escalate\">Step 4: Escalate<\/a><ul><li><a href=\"#case-study\">Case Study<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#the-role-of-gap-insurance\">The Role of GAP Insurance<\/a><\/li><li><a href=\"#consumer-rights-in-total-loss-claims\">Consumer Rights in Total Loss Claims<\/a><\/li><li><a href=\"#tips-to-maximize-your-settlement\">Tips to Maximize Your Settlement<\/a><\/li><li><a href=\"#how-beem-helps-with-car-insurance\">How Beem Helps With Car Insurance<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><ul><li><a href=\"#fa-qs-about-understanding-the-actual-cash-value-in-total-loss-claims\">FAQs About Understanding the \u2018Actual Cash Value\u2019 in Total Loss Claims<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1758645948752\">How do insurers decide if my car is a total loss?<\/a><\/li><li><a href=\"#faq-question-1758645961982\">Can I negotiate ACV with my insurer?<\/a><\/li><li><a href=\"#faq-question-1758645969379\">Does ACV include taxes and registration fees?<\/a><\/li><li><a href=\"#faq-question-1758645977965\">What happens if my loan balance is higher than ACV?<\/a><\/li><li><a href=\"#faq-question-1758645986812\">How does Beem help me with total loss claims?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>You take care of your car, keep up with the maintenance, and depend on it every single day. But then, an accident happens. The repair shop calls with bad news, and soon after, your insurance company declares your vehicle a <em>total loss<\/em>. It\u2019s a moment that raises countless questions: <em>What happens next? How much money will I get? Why is the payout less than what I expected?<\/em><\/p>\n\n\n\n<p>At the core is a phrase most drivers hear during claims: Actual Cash Value. Far from being a technical term tucked away in your policy fine print, ACV determines whether you\u2019ll have enough to pay off your loan, buy a replacement, or face out-of-pocket expenses. This blog will explore understanding the actual cash value in total loss claims, its calculation, avoiding myths, negotiation strategies, and protections like GAP insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-actual-cash-value-acv\">What Is \u201cActual Cash Value\u201d (ACV)?<\/h2>\n\n\n\n<p>At its most basic, <a href=\"https:\/\/trybeem.com\/blog\/tag\/actual-cash-value-and-loan-balance\/\" target=\"_blank\" data-type=\"post_tag\" data-id=\"7601\" rel=\"noreferrer noopener\">ACV<\/a> is the market value of your car just before the accident or damage occurred. It is not based on what you originally paid for your vehicle or what it costs to buy a brand-new model today.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-acv-works\">How ACV Works<\/h3>\n\n\n\n<p>Insurers use a simple principle:<\/p>\n\n\n\n<p>Replacement Cost \u2013 Depreciation = ACV<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Replacement Cost: <\/strong>What does it cost today to buy a similar car in your area?<\/li>\n\n\n\n<li><strong>Depreciation:<\/strong> The natural decline in value due to age, mileage, wear, and tear.<\/li>\n<\/ul>\n\n\n\n<p>For example, if your car would cost $22,000 to replace new, but has lost $9,000 in value due to age and mileage, its ACV is $13,000. That\u2019s the number your insurer will use for a payout if your car is totaled.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-insurers-prefer-acv\">Why Insurers Prefer ACV<\/h3>\n\n\n\n<p>Insurers lean on ACV because it keeps payouts aligned with what your car could reasonably sell for on the open market. This prevents overpayment and keeps premiums lower across all policyholders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"when-is-a-car-declared-a-total-loss\">When Is a Car Declared a Total Loss?<\/h2>\n\n\n\n<p>A car is declared a total loss when the cost of repairs exceeds the vehicle\u2019s worth or passes a percentage threshold of its ACV.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"state-thresholds-in-action\">State Thresholds in Action<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Texas: <\/strong>Requires repair costs to exceed 100% of ACV. A $15,000 car with $14,000 in repairs may still not be totaled.<\/li>\n\n\n\n<li><strong>Florida: <\/strong>Uses an 80% rule. If repairs exceed $8,000 on a $10,000 car, it\u2019s totaled.<\/li>\n\n\n\n<li><strong>North Carolina:<\/strong> Sets the bar at 75%.<\/li>\n\n\n\n<li><strong>New York: <\/strong>Applies the Total Loss Formula (repair cost + salvage value &gt; ACV).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"real-world-scenarios\">Real-World Scenarios<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Severe Collisions:<\/strong> A crumpled frame or multiple airbag deployments often cross thresholds.<\/li>\n\n\n\n<li><strong>Flooding:<\/strong> Once water reaches electrical systems, replacement is often cheaper.<\/li>\n\n\n\n<li><strong>Fires:<\/strong> Engine and interior damage combined usually exceed ACV.<\/li>\n\n\n\n<li><strong>Theft Recovery: <\/strong>Cars stripped of parts or vandalized beyond repair are usually declared total losses.<\/li>\n<\/ul>\n\n\n\n<p>Knowing your state\u2019s threshold helps you anticipate whether repairs or a payout are more likely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-insurers-calculate-acv\">How Insurers Calculate ACV<\/h2>\n\n\n\n<p>The exact calculation varies, but most insurers rely on third-party data and several key factors:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-age-of-the-vehicle\">1. Age of the Vehicle<\/h3>\n\n\n\n<p>Cars depreciate fastest in the first two years, often losing 20\u201330% of their value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-mileage\">2. Mileage<\/h3>\n\n\n\n<p>High mileage reduces value, signaling extensive wear on the engine and transmission.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-make-and-model\">3. Make and Model<\/h3>\n\n\n\n<p>Popular models or those with strong resale markets may hold value better. Trucks and SUVs in states like Texas often fetch higher ACVs than sedans in the same age bracket.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-condition-before-loss\">4. Condition Before Loss<\/h3>\n\n\n\n<p>Cosmetic damage, worn interiors, or neglected maintenance lowers ACV. Conversely, a well-maintained car with documented service history may get a higher valuation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-features-and-upgrades\">5. Features and Upgrades<\/h3>\n\n\n\n<p>Built-in safety tech or premium packages can raise ACV slightly. Aftermarket additions (like rims or sound systems) usually don\u2019t count unless you have receipts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-market-comparisons\">6. Market Comparisons<\/h3>\n\n\n\n<p>Insurers look at local listings, dealerships, and recent sales of similar vehicles.<\/p>\n\n\n\n<p><strong>Example:<\/strong> A 2017 SUV purchased at $35,000 might now sell locally for $18,000 due to age, mileage, and depreciation. That $18,000 becomes the ACV used in settlement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-acv-matters-in-total-loss-claims\">Why ACV Matters in Total Loss Claims<\/h2>\n\n\n\n<p>ACV is more than an insurance number \u2014 the figure decides how much money lands in your account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"impact-on-loan-or-lease-balances\">Impact on Loan or Lease Balances<\/h3>\n\n\n\n<p>If your loan exceeds ACV, you still owe the difference.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan balance: <\/strong>$20,000<\/li>\n\n\n\n<li><strong>ACV payout:<\/strong> $15,000<\/li>\n\n\n\n<li><strong>Remaining owed:<\/strong> $5,000 (unless you have GAP insurance).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"replacement-ability\">Replacement Ability<\/h3>\n\n\n\n<p>Your ACV settlement may not be enough to buy a similar car at today\u2019s prices, pushing you into cheaper or older options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"everyday-life\">Everyday Life<\/h3>\n\n\n\n<p>Work commutes, school runs, and family errands are disrupted without a quick replacement, adding stress beyond finances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-myths-about-acv\">Common Myths About ACV<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-1-insurance-will-pay-me-what-i-originally-paid\">Myth 1: \u201cInsurance will pay me what I originally paid.\u201d<\/h3>\n\n\n\n<p>False. Vehicles depreciate from the moment you drive them off the lot.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-2-ill-get-enough-to-buy-a-brand-new-replacement\">Myth 2: \u201cI\u2019ll get enough to buy a brand-new replacement.\u201d<\/h3>\n\n\n\n<p>Not unless your policy specifically includes new car replacement coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-3-the-insurers-number-is-always-final\">Myth 3: \u201cThe insurer\u2019s number is always final.\u201d<\/h3>\n\n\n\n<p>You can challenge ACV with documentation, third-party data, or an independent appraiser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-challenge-or-negotiate-acv\">How to Challenge or Negotiate ACV<\/h2>\n\n\n\n<p>If your settlement feels unfair, you can dispute it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-1-request-the-valuation-report\">Step 1: Request the Valuation Report<\/h3>\n\n\n\n<p>Insurers must show how they arrived at their number.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-2-collect-evidence\">Step 2: Collect Evidence<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Service and maintenance records.<\/li>\n\n\n\n<li>Receipts for upgrades like new tires, brakes, or a transmission.<\/li>\n\n\n\n<li>Proof of excellent condition with photos.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1-1024x576.jpg\" alt=\"Understanding the Actual Cash Value in Total Loss Claims\" class=\"wp-image-276801\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1-1024x576.jpg 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1-300x169.jpg 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1-768x432.jpg 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1-1536x864.jpg 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Understanding-the-Actual-Cash-Value-in-Total-Loss-Claims-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-3-research-comparisons\">Step 3: Research Comparisons<\/h3>\n\n\n\n<p>Use Kelley Blue Book, Edmunds, and local listings to show your car\u2019s higher value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-4-escalate\">Step 4: Escalate<\/h3>\n\n\n\n<p>If needed, file a dispute with your state insurance department or hire an independent appraiser.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"case-study\">Case Study<\/h4>\n\n\n\n<p>A driver in New Jersey had their SUV valued at $14,000. By presenting three local listings for $17,000, they successfully raised their payout by $2,500.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-role-of-gap-insurance\">The Role of GAP Insurance<\/h2>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/gap-insurance-vs-new-car-replacement\/\" target=\"_blank\" data-type=\"post\" data-id=\"229504\" rel=\"noreferrer noopener\">Guaranteed Asset Protection<\/a> insurance bridges the gap between what you owe on your loan or lease and what your insurer pays out as ACV.<\/p>\n\n\n\n<p>Example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan:<\/strong> $25,000<\/li>\n\n\n\n<li><strong>ACV payout:<\/strong> $20,000<\/li>\n\n\n\n<li><strong>GAP covers:<\/strong> $5,000 difference.<\/li>\n<\/ul>\n\n\n\n<p>Without GAP, you\u2019d pay the shortfall yourself. It\u2019s especially important for new cars with long financing terms, where depreciation outpaces loan repayment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"consumer-rights-in-total-loss-claims\">Consumer Rights in Total Loss Claims<\/h2>\n\n\n\n<p>Don\u2019t assume you\u2019re powerless in the claims process.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Itemized Valuation:<\/strong> Many states require insurers to provide documentation.<\/li>\n\n\n\n<li><strong>Independent Appraisal: <\/strong>Most policies allow hiring your own appraiser to counter the insurer\u2019s estimate.<\/li>\n\n\n\n<li><strong>Appeals:<\/strong> If you believe the payout is unfair, you can appeal to your state\u2019s insurance department.<\/li>\n\n\n\n<li><strong>Salvage Option: <\/strong>In some states, you can keep your totaled car for a reduced payout, though it will carry a salvage title.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-to-maximize-your-settlement\">Tips to Maximize Your Settlement<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Maintain service records to prove care.<\/li>\n\n\n\n<li>Keep receipts for major repairs and upgrades.<\/li>\n\n\n\n<li>Take photos regularly to show the condition before accidents.<\/li>\n\n\n\n<li>Use valuation tools to challenge lowball offers.<\/li>\n\n\n\n<li>Stay calm and professional \u2014 adjusters are more receptive to clear evidence.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-beem-helps-with-car-insurance\">How Beem Helps With Car Insurance<\/h2>\n\n\n\n<p>Understanding ACV is only part of the equation \u2014 choosing the right insurance is equally crucial. That\u2019s where Beemcomes in.<\/p>\n\n\n\n<p>Beem\u2019s car insurance comparison feature helps you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare policies side by side to see how they handle total loss claims.<\/li>\n\n\n\n<li>Identify add-ons like GAP insurance that protect you from loan shortfalls.<\/li>\n\n\n\n<li>Find affordable coverage that doesn\u2019t sacrifice protection.<\/li>\n\n\n\n<li>Stay financially prepared by ensuring ACV surprises don\u2019t leave you stranded.<\/li>\n<\/ul>\n\n\n\n<p>Beem simplifies the complex world of insurance, making choosing coverage that works for real-life scenarios like total loss claims easier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Actual Cash Value might seem like insurance jargon, but it can decide whether a totaled car becomes a manageable inconvenience or a devastating financial setback. ACV reflects what your car is worth in the market today, not what you paid for it, and not what it costs to buy new. Tools like GAP insurance add an extra layer of protection against loan shortfalls, while staying aware of your consumer rights gives you leverage to challenge unfair offers.<\/p>\n\n\n\n<p>With&nbsp;<a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>, you can compare car insurance options and find coverage that aligns with your financial needs. If the unexpected happens, you\u2019re better prepared \u2014 not just with knowledge, but with an insurance policy that has your back. Beem provides a convenient platform for&nbsp;<a href=\"https:\/\/trybeem.com\/car-insurance\">comparing<\/a>&nbsp;insurance plans. With preparation, negotiation, and the right coverage, you can get back on the road without losing your financial footing. Download the app&nbsp;<a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-about-understanding-the-actual-cash-value-in-total-loss-claims\">FAQs About Understanding the \u2018Actual Cash Value\u2019 in Total Loss Claims<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1758645948752\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do insurers decide if my car is a total loss?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>They compare the estimated repair costs to your car\u2019s ACV. The vehicle is declared a total loss if repairs exceed your state\u2019s threshold (e.g., 75% in NC, 80% in FL).<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758645961982\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I negotiate ACV with my insurer?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Insurers often start with conservative estimates, but by showing maintenance records, local sales data, and receipts for upgrades, you can make a strong case for a higher payout.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758645969379\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does ACV include taxes and registration fees?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>In many states, insurers must include sales tax, title, and registration in the settlement. However, this isn\u2019t universal, so always check your state\u2019s requirements.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758645977965\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What happens if my loan balance is higher than ACV?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>You\u2019ll be responsible for the difference unless you purchased GAP insurance. This is why GAP coverage is essential for newer or financed vehicles.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758645986812\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How does Beem help me with total loss claims?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Beem helps you compare car insurance providers to find policies that offer fairer ACV handling and allow add-ons like GAP insurance, ensuring you aren\u2019t left with a financial burden after a total loss.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>You take care of your car, keep up with the maintenance, and depend on it every single day. But then, an accident happens. The repair shop calls with bad news, and soon after, your insurance company declares your vehicle a total loss. It\u2019s a moment that raises countless questions: What happens next? How much money [&hellip;]<\/p>\n","protected":false},"author":78,"featured_media":276800,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2315],"tags":[7604,2175,16970,16969],"edited-by":[],"class_list":["post-276793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-actual-cash-value","tag-car-insurance","tag-total-loss-claims","tag-understanding-the-actual-cash-value-in-total-loss-claims"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/276793","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/78"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=276793"}],"version-history":[{"count":8,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/276793\/revisions"}],"predecessor-version":[{"id":276959,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/276793\/revisions\/276959"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/276800"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=276793"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=276793"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=276793"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=276793"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}