When is a Car 'Totalled'?

If a car is considered totalled by the insurance company, how does the insurance company come up with the amount they pay you?



Generally, the insurance company will use the "book price" or some version of that, when deciding what to pay you for your totalled vehicle. They may, in some cases, consult with local used car dealers, in order to make allowances for regional differences in price. But that's basically it.


If for some reason you don't agree with the pay-out price, then you'll need to be able to document the shape your car was in, and if there are any other considerations (like recent significant repairs). We can't guarantee that this will work, but it can't hurt in building your case for a better price.

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