10. Should my car be totaled?

Determining if a vehicle should be repaired or not depends on the economic factors surrounding the claim as well as state mandates and regulations designed to protect consumers.

As a general rule, when the damages meet or exceed 80% of the damaged vehicle’s pre-loss market value the vehicle will be considered a total loss. Insurers may elect to total a vehicle prior to reaching this percentage and it is rare that they would exceed it.

The insurer is given the liberty to make the decision to repair or replace (within state laws and guidelines) and once determined, the insurer is held to certain standards in their performance of their selected option. In either option, the consumer is to be indemnified for their loss and placed as closely as possible to the economic position they were just prior to the loss.


Category: Total Loss FAQ

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