When is a Car Considered Totaled?

At some point, we’ve all heard someone say, “My car is totaled,” or, “I totaled my car years ago.” But, what is the meaning of “car totaled”? And, how is “totaled” different from repairable accident damage? The answer is fairly simple. When the cost to repair a car exceeds its total value, it’s considered totaled. By how much repair costs must exceed a car’s value varies, depending on the state. Below, we cover the signs your car is totaled, and what you can do as a result. 

Signs a Car is Totaled 

After an accident, you might be questioning if your car is totaled, especially if there’s a lot of damage. If any of the following ring true for your vehicle, then there’s a good chance it’s totaled and a total loss: 

• Again, your car is totaled when it’s more expensive to repair it at a service center than to replace it. 
• If you can’t even drive your car to the repair shop because it’s pouring fluids, parts of the car are bent, or your view of the road is obstructed, chances are the repair costs will outweigh the value. 
• Your car is older than five years, and the frame is significantly damaged. Repairing a car’s frame is expensive, and if the car is old anyway, the insurance company may deem it a total loss. 
• Your car is so old that most bills for significant repairs and bodywork exceed its value. 
• There are a lot of miles on your car’s odometer. If the mileage is high, the value will be lowered, even if the car’s up-to-date on service. 

What to Do if Your Car is Totaled in an Accident 

After the accident has occurred, you’ll want to contact your insurance agent and file a claim. Based on the costs of the repairs, your insurance provider will determine if your car is a total loss. Then, your insurance provider will provide you with payment for car’s cash value at the time of the accident. They’ll take a number of factors into account to value your car, including its age, mileage, condition, etc. The deductible on your collision and comprehensive insurance coverage will be deducted from that amount. 

Rely on Grappone Automotive Group for Expert Body Work! 

If your car isn’t deemed a total loss and can be repaired, choose the collision center at Grappone Automotive Group to restore your car to its former condition. Our body shop is staffed with repair experts who use state-of-the-art equipment and software. Contact us online or call us at 800-528-8993 to schedule a repair appointment, or to learn more about our extensive list of repair services.

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