How do I know if my car is totaled?

The textbook definition of a “totaled” car has little to do with its actual appearance after an accident, and more to do with the age and value of your car at the time it was damaged. In short, if the estimated repair costs exceed the value of your vehicle, your insurance company will likely “total” it and offer you the car's current cash value, less depreciation.

If your vehicle is over five years old, is no longer safely drivable and was damaged to the point of leaking fluids, this typically leads to the decision by an insurance company to consider the vehicle a total loss rather than offer to provide the amount for repair.

Ultimately, your insurance company’s appraiser has final say. To learn more, contact a claims representative from your insurance company today.

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