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How to tell if your car is a total loss

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Have you recently had an accident involving your car, with the result being your insurer declaring it a total loss? That certainly is a shame, and it may give you a little bit of pause for thought as well. Namely, what different things do the insurance companies out there look at prior to deciding to total a car? Hopefully this blog post will leave that questioned in a thoroughly answered state:

Minor damage can total a car

It isn’t abnormal for someone who has been in a minor accident to be surprised to learn that their vehicle has been declared a total loss. Especially if the vehicle seems to only have taken on a small amount of damage. How could this be?

Cost of car vs repair

When you have been in an accident, the vehicle you were in tends to sustain some type of damage. What the insurance company does in this case is find out whether it is worth repairing the car or not. The insurance company may have a mechanic or service shop in mind when it comes down to the nitty gritty of determining this. Your vehicle will be hauled off to the shop, and the professional there will look at your car.

Does your car cost much to repair?

There may be a whole variety of different parts or systems in your vehicle that have been damaged.
What the mechanic won’t be doing is repairing that damage. They will be looking at all of it and deciding how much the repair bill would be if they were to go about fixing the vehicle so that it would be okay to drive on the road. Depending on how bad the accident was, there could be a lot for them to look at, or just a little. This will determine the amount of time they will take. Maybe they will take a long time, or maybe they will take just a short time.

Totalled Vs not totalled

When your car is at the shop getting looked at, you may already have ideas of whether it is totalled or not. But you won’t know until the insurance company has deemed it to be a total loss. How will they determine whether it is a total loss? There really is only one simple piece of math that needs to be completed in order for them to come to any conclusions. Will the cost of repairs be more than the car is worth when it was purchased? If so, they will declare the car to be a total loss.

What now?

If your vehicle is a total loss, it isn’t the end of the world. You can sell it to a cash for cars company. Simply contact them and give them all the details of your vehicle and they will furnish you with a free quote. Then after that someone will come around to look at the wheels and give you a final offer before paying you on the spot and hauling it off. Simple as that!


WRITTEN BY Glen Safari | July 30, 2017

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