What Happens When Your Car is Totaled?

Totaled car after hitting another car's rear-1

Accidents can happen unexpectedly, leaving your vehicle in a state where repairs are deemed too expensive or even impossible. When your car sustains severe damage, it might be declared a total loss by insurance companies. In this article, we’ll guide you through the process of what happens when your car is totaled, and how True Appraisal can help you navigate through this challenging situation.

What Happens When Your Car is Totaled? (PDF)

What is Total Loss?

Total loss, also known as a total loss claim, occurs when the cost of repairing a damaged vehicle exceeds a certain percentage of its current market value. This means that the cost of restoring your car to its pre-accident condition is deemed financially unfeasible. Instead of repairing the vehicle, the insurance company will provide a settlement based on the car’s market value.

Quick Facts About Totaled Cars

Accidents are unforeseeable events that can leave your vehicle severely damaged, leading to a crucial decision-making process with your insurance company. True Appraisal is here to shed light on the intricacies of total loss claims, helping you navigate through the complexities and ensuring you receive the fair treatment you deserve.

Deciphering Total Loss

What is a Totaled Car?

When your vehicle sustains extensive damage, insurance companies might categorize it as a “total loss” if the cost of repairs exceeds the car’s current market value. True Appraisal understands that this term can be confusing, and we’re here to demystify the process for you.

When is a Car Considered Totaled?

Each state defines its threshold for determining total loss, but insurance carriers can opt for a lower threshold. True Appraisal advises that factors such as repair costs, pre-existing damage, and the extent of the accident play into this decision. We provide the clarity you need to comprehend these thresholds and regulations.

What Insurance Covers a Totaled Car?

The type of insurance coverage applicable to a totaled car depends on the circumstances. Comprehensive, collision, and property damage liability coverage come into play here. True Appraisal guides you through the maze of insurance options, helping you make informed choices.

The True Appraisal Advantage

At True Appraisal, we recognize that grappling with a totaled car can be overwhelming. Our team of seasoned professionals is committed to ensuring you receive a fair assessment and settlement. Here’s how we can guide you:

  • Accurate Valuation: We meticulously evaluate your vehicle’s worth, accounting for its unique attributes and condition, ensuring a precise market value assessment.
  • Total Loss and Diminished Value Services: Whether your car is declared a total loss or sustains diminished value, we’re well-versed in both scenarios, providing comprehensive support tailored to your needs.

The Journey Through Total Loss

Steps to Take When Your Car is Totaled

In the aftermath of an accident, understanding the next steps is vital. True Appraisal guides you through the process: filing a claim, assessing damage, determining fair market value, liaising with lenders, negotiating with insurers, and exploring options for replacement.

How To Fight a Total Loss Settlement

If you believe the insurance company’s settlement offer is insufficient, True Appraisal empowers you to dispute it. From independent appraisals and market research to submitting counteroffers and seeking legal assistance, we provide a roadmap to securing a fair resolution.


Navigating the aftermath of a totaled car can be a challenging journey, but True Appraisal is your reliable compass. With our expertise, you can make informed decisions, understand insurance jargon, and advocate for a just settlement. Whether you’re facing a total loss claim or diminished value concerns, our dedicated team is here to ensure your rights are protected and your voice is heard.

Remember, understanding your options is key to overcoming the challenges of a totaled car. True Appraisal stands by your side, guiding you toward a brighter, more informed future.

For more information and personalized assistance, reach out to True Appraisal today. We’re here to guide you through the complexities of total loss claims and ensure you receive the treatment you deserve.



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