When Is A Car Considered Totaled?

Understanding when a car is totaled can save you time, money, and stress after an accident. Whether you’re talking with an insurance adjuster or simply trying to make sense of your situation, knowing what to do can help you make better decisions. Keep reading to learn more. If you have any questions along the way, contact us.

Signs A Car Is Totaled

After an accident, you might be wondering whether your car is totaled, especially if there’s significant damage. If any of the following ring true for your vehicle, then there’s a good chance it’s a total loss, or in insurance terms, “totaled:”

• Your car is totaled when it’s more expensive to repair it at a service center than to replace it.
• If you can’t even drive your car to the repair shop because it’s pouring fluids, parts of the car are bent, or your view of the road is obstructed, chances are the repair costs will outweigh the value.
• Your car is older than five years, and the frame is significantly damaged; there is a good chance it’s totaled. Repairing a car’s frame is expensive, and if the vehicle is old anyway, the insurance company may deem it a total loss.
• Your car is so old that most bills for significant repairs and bodywork exceed its value.
• There are a lot of miles on your car’s odometer. If the mileage is high, the value will be reduced, even if the car’s service is up-to-date.

What To Do If Your Car Is Totaled In An Accident

After the accident, you’ll want to contact your insurance agent and file a claim. Based on the repair costs, your insurance provider will determine whether your car is a total loss. Then, your insurance provider will pay you the car’s cash value at the time of the accident. They’ll take several factors into account to determine your car’s value, including its age, mileage, and condition. The deductible on your collision and comprehensive insurance coverage will be deducted from that amount.

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